State Lead (Rural Business)

Kshema General Insurance Limited; Secunderabad; Sur place; INR 1 800 000 - 3 000 000; Plein temps

Avantages offerts par ce poste

Competitive salary + incentives

Résumé du poste

Kshema General Insurance Limited is seeking a dynamic State Sales Head to drive GWP growth across all GI lines in Telangana, including Motor, Health, PA, Fire, and more. You will lead cluster leads and field teams, ensure disciplined field execution, and build rural-market partnerships to expand POSP channels and corporate collaborations.

You will also oversee MIS reporting, performance reviews, and strategic planning with HO coordination to ensure regulatory compliance and strong governance

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.

Responsabilités

• Drive state business delivery and growth, meeting GWP targets across GI lines.
• Monitor performance at cluster/district levels; implement corrective actions.
• Identify growth pockets and high-potential rural markets.
• Lead and mentor cluster leads and field teams; conduct reviews and planning.
• Oversee field operations, campaigns, and market development activities.
• Ensure MIS accuracy and timely reporting; collaborate with HO teams.

Connaissances

Leadership

Rural markets understanding

Communication

Analytical skills

Planning & Execution

MIS & dashboards

Stakeholder management

Formation

MBA preferred

Graduate

Outils

CRM systems

Dashboard tools

MS Excel

Description du poste

• 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.
• 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.
• 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.
• Strengthen both retail and institutional business contributions.
• 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.
• 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.
• 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.
• 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.

Key Responsibilities

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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).