State Lead (Rural Business)

Kshema General Insurance; Hyderabad; On-site; INR 2,500,000 - 4,000,000; Full time

Benefits offered by this job

Competitive salary

Performance incentives

Job summary

Kshema General Insurance is seeking a results-driven State Lead to drive growth across motor, health, PA, fire, and other GI lines. You will manage Cluster Leads and field teams, expand POSP networks, and strengthen both retail and institutional business through structured field planning and governance.

You will oversee field operations, ensure timely MIS reporting, and coordinate with cross-functional HO teams to resolve issues and ensure regulatory compliance.

Qualifications

• 6–10 years in BFSI/Insurance/Rural Distribution/Sales Management.
• 2–4 years of team handling at cluster/area/state level.
• Experience in General Insurance, POSP/Agency models, or Rural Channel Management is an added advantage.
• MBA preferred.

Responsibilities

• Drive state-level business delivery growth across GI product lines (Motor, Health, PA, Fire, etc.).
• Lead and mentor Cluster Leads and field teams; ensure disciplined sales processes and compliance.
• Expand POSP networks; onboard corporate partners and strengthen retail/institutional contributions.
• Oversee field operations: planning, campaigns, and market development with leadership insight.
• Review MIS, dashboards, and performance metrics; coordinate with HO for analytics.

Skills

Leadership

Rural markets

Communication

Analytical planning

Execution capability

Stakeholder management

MIS & dashboards

Education

Bachelor's degree

MBA preferred

Tools

MIS systems

Dashboards

Business analytics

Job description

Key Responsibilities

1. State Business Delivery Growth

• Drive monthly and annual GWP targets for the state across all GI product lines (Motor, Health, PA, Fire, Commercial, Crop, etc.).
• Monitor performance at cluster/district levels and implement corrective action plans.
• Identify new growth pockets, emerging segments, and high-potential rural markets.

2. Leadership Team Management (Cluster Leads Field Teams)

• Lead, mentor, and manage Cluster Leads and extended field teams across the state.
• Conduct periodic performance reviews, capability-building sessions, and strategic planning meetings.
• Ensure disciplined execution of sales processes, field governance, and compliance.

3. Distribution Expansion (POSP Corporate Channels)

• Drive expansion of POSP networks through Cluster Leads and RAs.
• Improve POSP activation, productivity, persistency, and overall quality of business.
• Identify, onboard, and activate state-level corporate partners FPOs, Cooperatives, Agri-Value Chain partners, NBFC-MFIs, SHG networks, dealer groups, etc.
• Strengthen both retail and institutional business contributions.

4. Field Operations, Planning Execution

• Ensure structured field coverage across districts and rural markets.
• Review weekly/monthly field execution plans submitted by Cluster Leads.
• Oversee campaigns, activations, customer outreach, and market-development activities.
• Gather and share market intelligence and competition insights with leadership.

5. MIS, Reporting Business Monitoring

• Review state dashboards, sales funnels, productivity metrics, and micro-performance indicators.
• Ensure accuracy and timely submission of MIS by clusters.
• Work closely with HO for business analytics, performance dashboards, and product/category insights.

6. Cross-Functional Coordination Issue Resolution

• Liaise with HO teams Operations, Underwriting, Claims, IT, Finance, HR for state-level requirements.
• Resolve operational, technical, and process issues impacting field performance.
• Ensure adherence to regulatory norms, internal guidelines, and SLA timelines.

7. Capability Building Knowledge Enhancement

• Drive product knowledge, training, and refresher programs across the state.
• Strengthen field capability in underwriting basics, customer onboarding, claims processes, and POSP enablement.
• Ensure consistent communication of product changes, system enhancements, and policy updates.

Requirements

Skills Competencies

• Strong leadership with multi-level team management experience.
• Deep understanding of rural markets, customer behavior, and geography.
• Excellent communication and relationship-building abilities.
• Strong analytical, planning, and execution capabilities.
• Target-driven, disciplined, and highly accountable.
• Ability to engage with both field teams and corporate stakeholders.
• Proficiency in MIS, dashboards, and business performance monitoring.

Qualification Experience

• Graduate; MBA preferred.
• 6-10 years of experience in BFSI/Insurance/Rural Distribution/Sales Management.
• Minimum 2-4 years of team-handling experience at cluster/area/state level.
• Experience in General Insurance, POSP/Agency models, or Rural Channel Management is an added advantage.

Benefits

Compensation

• Competitive Salary + Performance Linked Incentives + Allowances (as per company norms).

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.