Protege, Regional Distribution Sabah Region - Kota Kinabalu Branch

Etiqa Insurance and Takaful; West Coast Division; On-site; MYR 50,000 - 90,000; Full time

Job summary

Etiqa Insurance and Takaful is seeking a proactive Business Development professional in Sabah, Malaysia. The role focuses on driving branch targets by building strong relationships with agents, brokers, and corporate clients, and identifying new business opportunities to expand the agency network.

The candidate will oversee agency development, monitor performance, and ensure profitability, while maintaining compliance with underwriting guidelines and regulatory requirements.

Qualifications

• Strong interest in Business Development and Sales within the Insurance industry.
• Excellent communication and interpersonal skills to build relationships with clients and partners.
• Analytical and problem-solving abilities to monitor performance and profitability.
• Proactive, self-motivated, and able to learn in a fast-paced environment.
• Ability to work both independently and as part of a team.
• Good planning, organizational, and time management skills.
• Proficient in Microsoft Office (Excel, PowerPoint, Word).

Responsibilities

• Drive achievement of individual and branch business targets through intermediary relationships.
• Identify new business opportunities and grow existing accounts via market engagement.
• Lead agency development by recruiting productive agents and monitoring performance.
• Ensure compliance with underwriting guidelines and regulatory requirements.
• Oversee credit control to ensure timely premium collection and reporting.
• Collaborate with underwriting, finance, and other teams to service customers efficiently.

Skills

Business development

Sales

Relationship management

Communication

Analytical thinking

Problem solving

Teamwork

Time management

Self-motivation

Independent work

Education

Bachelor's Degree in Business Administration, Marketing, Insurance, Finance, Economics, Management, or a related field

Tools

Microsoft Office

Job description

1. Business Development, Budget Achievement & Agency Management

• Drive the achievement of individual and branch business targets by developing and maintaining strong relationships with intermediaries, including agents, brokers, and corporate clients. Proactively identify new business opportunities, strengthen customer retention, and grow existing accounts through regular market engagement and value proposition presentations. Lead agency development initiatives by recruiting productive agents, monitoring their performance against agreed targets, supporting market penetration efforts, and managing portfolio profitability through continuous monitoring of agency loss ratios.

2. Compliance, Underwriting Governance & Credit Control

• Ensure full compliance with company underwriting guidelines, regulatory requirements, and operational policies, including strict adherence to the "Cash Before Cover" principle and premium warranty regulations. Oversee the completeness and accuracy of policy documentation, implement effective credit control measures to ensure timely premium collection, and support the preparation of accurate monthly reports while maintaining compliance with internal controls and corporate governance standards.

3. Customer Relationship Management & Service Excellence

• Build and maintain strong relationships with intermediaries, customers, and internal stakeholders to deliver high service standards and operational efficiency. Collaborate closely with underwriting, finance, and other functional teams to ensure timely policy issuance, effective problem resolution, and fulfilment of service level agreements. Continuously gather feedback from customers and distribution partners, address service improvement opportunities, and drive initiatives that enhance customer satisfaction, distributor engagement, and overall business performance.

Qualification / Requirement

• Bachelor's Degree in Business Administration, Marketing, Insurance, Finance, Economics, Management, or a related field.
• Fresh graduates are encouraged to apply.
• Strong interest in Business Development, Sales, Relationship Management, and the Insurance industry.
• Good communication and interpersonal skills with the ability to build relationships with customers and business partners.
• Strong analytical and problem-solving skills.
• Proactive, self-motivated, and eager to learn in a fast-paced environment.
• Ability to work independently as well as collaboratively within a team.
• Good planning, organizational, and time management skills.
• Proficient in Microsoft Office applications (Excel, PowerPoint, and Word).