State Lead (Rural Business)

Zoho; Secunderabad; On-site; INR 7,000,000 - 9,000,000; Full time

Benefits offered by this job

Performance Linked Incentives

Allowances (as per company norms)

Job summary

Kshema General Insurance Limited is seeking a senior sales leader for the Secunderabad region to drive state growth and expansion across all GI products. You will lead cluster leads and field teams, ensure disciplined sales processes, and strengthen POSP/corporate channels while monitoring performance with dashboards and MIS.

The role requires 6–10 years in BFSI/Insurance with strong leadership, strategic planning, and stakeholder management skills.

Qualifications

• 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.

Responsibilities

• Drive state business delivery & growth: target GWP across all GI product lines (Motor, Health, PA, Fire, Commercial, Crop).
• Monitor performance at cluster/district levels and implement corrective actions.
• Identify new growth pockets, emerging segments, and high-potential rural markets.
• Lead cluster leads and field teams; conduct reviews, capability-building and planning sessions.
• Ensure disciplined execution of sales processes, field governance, and compliance.
• Oversee field operations, planning, execution, and market development activities.
• Drive product knowledge, training, and knowledge enhancement across the state.

Skills

Leadership

Communication

Analytics

Planning

Execution

Stakeholder management

Tools

MIS

Dashboards

Job description

Secunderabad, India | Posted on 09/28/2026

Kshema General Insurance Limited (Kshema) was established in 2018 and is India's only Digital Agri Insurance Company catering to farmers/cultivators in the Agriculture Sectors. Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localised insurance products. Kshema is leveraging Technology to provide cutting edge insurance solutions to farmers.

Kshema has a pan India presence with more than 500+ employees on roles along with 500+ employees as contractors.

Job Description

KeyResponsibilities

1. StateBusiness Delivery & Growth

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

2.Leadership & Team Management (Cluster Leads & Field Teams)

• Lead, mentor, and manage Cluster Leads and extendedfield teams across the state.
  
• Conduct periodic performance reviews, capability‑buildingsessions, 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 ClusterLeads and RAs.
  
• Improve POSP activation, productivity, persistency,and overall quality of business.
  
• Strengthen both retail and institutional businesscontributions.
  

4. FieldOperations, Planning & Execution

• Ensure structured field coverage across districtsand rural markets.
  
• Review weekly/monthly field execution planssubmitted by Cluster Leads.
  
• Oversee campaigns, activations, customer outreach,and market‑development activities.
  
• Gather and share market intelligence andcompetition 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 byclusters.
  
• Work closely with HO for business analytics,performance dashboards, and product/category insights.
  
• Liaise with HO teams — Operations, Underwriting,Claims, IT, Finance, HR — for state-level requirements.
  
• Resolve operational, technical, and process issuesimpacting field performance.
  
• Ensure adherence to regulatory norms, internalguidelines, and SLA timelines.
  

7.Capability Building & Knowledge Enhancement

• Drive product knowledge, training, and refresherprograms 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

• Strong leadership with multi-level team managementexperience.
  
• Deep understanding of rural markets, customerbehavior, and geography.
  
• Excellent communication and relationship‑buildingabilities.
  
• Strong analytical, planning, and executioncapabilities.
  
• Target-driven, disciplined, and highly accountable.
  
• Ability to engage with both field teams andcorporate stakeholders.
  
• Proficiency in MIS, dashboards, and businessperformance monitoring.
  

? Qualification &Experience

6–10 years of experience in BFSI/Insurance/RuralDistribution/Sales Management.

Minimum 2–4 years of team-handling experience atcluster/area/state level.

Experience in General Insurance, POSP/Agencymodels, or Rural Channel Management is an added advantage.

Compensation

• CompetitiveSalary + Performance Linked Incentives + Allowances (as per companynorms).