Job Description

Role Title: Cluster Head – Banca Channel
Function: Sales – Banca
Reporting To: SBH / Zonal Banca Head
Location: As per cluster allocation
The Cluster Head – Banca Channel is responsible for leading the banca business for an assigned cluster by driving RM performance, productivity, market share growth, and disciplined execution across all products. The role ensures cluster‑level premium delivery, portfolio quality, and strong partner relationships, while building a high‑accountability RM team.

Key Responsibilities
Cluster Business & Premium Delivery

- Own and deliver cluster issued premium vs targets through RM performance and direct ownership of mid‑sized ticket issuances.

- Forecast business performance and take timely corrective actions to close delivery gaps.

RM Planning, Productivity & Performance Management
- Plan and allocate RMs effectively, ensuring RM span of control is within prescribed limits.

- Track RM‑level productivity, conversion, and threshold performance.

- Improve the share of RMs crossing threshold performance and qualifying for incentives.

- Identify and intervene early on low performers.

- Hire, train, coach, and groom RMs through regular reviews and joint branch visits.

- Drive rewards & recognition within the cluster, ensuring 60%+ RMs qualify for incentives.

Branch Coverage & Market Share Growth
- Drive active branch coverage, ensuring the required % of branches contribute every month.

- Reactivate dormant branches and improve consistency across the cluster.

- Grow Digit’s market share in key branches and priority accounts by increasing penetration and share of wallet.

Conversion & Opportunity Management
- Improve aggregated RM quote‑to‑login conversion across the cluster.

- Directly own and convert mid‑sized opportunities.





- Identify early signs of conversion or productivity drop‑offs and act decisively.

Portfolio Quality & Profitability
- Maintain portfolio ROE above minimum defined thresholds.

- Ensure growth is driven by the right product and business mix to protect portfolio quality.

Partner & Stakeholder Management
- Handle escalations with bank branches and partners promptly and professionally.

- Ensure Digit is rated as a preferred / best partner in partner surveys and feedback.

- Build strong working relationships with key banking stakeholders.

Experience & Skills Required
Experience

- 6–10+ years of experience in Banca / Insurance Distribution / Financial Services sales.

- Prior experience managing RM teams and multiple bank branches.

Technical & Functional Skills
- Robust understanding of banca distribution models and RM‑led sales execution.

- Working knowledge of issued premium, productivity metrics, conversion funnels, and basic ROE concepts.

- Ability to independently manage and close mid‑sized ticket opportunities.

Behavioral Skills
- Strong people management and coaching capability.

- High ownership and execution discipline.

- Stakeholder management and escalation handling.

- Comfort with dashboards, KPIs, and data‑driven reviews.

Qualifications

- Graduate in any discipline; MBA / Postgraduate qualification preferred.

What You Bring to Digit

- High and consistent revenue generation across every branch in the cluster.

- Strong channel profitability driven by quality business.

- Disciplined, productive RM teams with improving threshold performance.

- Capability to expand banca presence into additional branches successfully.

Job Snapshot

Updated Date

07-08-2026

Job ID

Job2154

Sub Department

Bancassurance

Location

Bengaluru - Retail, Karnataka, India ..+ 11

Experience

5 - 10 Years

Employee Type

Permanent

Employee Sub Type

Full Time

📌 Cluster Head- Bancassurance (Bengaluru)
🏢 Go Digit General Insurance
📍 Bengaluru