Role & responsibilities

1. Financial Planning & Forecasting
- Lead the preparation of annual business plans, quarterly forecasts, and long-range strategic plans.
- Consolidate inputs from distribution, actuarial, investments, operations, and product teams.
- Build and maintain financial models to analyse revenue, costs, profitability, and capital requirements.
- Assess impact of recent products, reinsurance, pricing changes, and regulatory changes (e.g., GST, IRDAI norms).

2. Business Performance Management
- Track monthly business performance including key KPIs such as APE/ANP, VNB, persistency, claims ratios, investment income, opex, commission expenses, productivity metrics.
- Analyse variance vs budget, forecast, and prior year; highlight risks and opportunities.
- Produce MIS dashboards, management presentations, and insights for senior leadership.
- Support board and investor reporting cycles.

3. Profitability & Product Economics
- Evaluate product/channel profitability with inputs from actuarial and finance teams.
- Analyse cost-to-income, contribution margins,



expense overrun, and acquisition cost trends.
- Support VNB, NBM, EV analysis in coordination with the actuarial function (where applicable).

4. Cost Management & Productivity
- Monitor operating expenses, manpower costs, and functional budgets.
- Identify efficiency opportunities across distribution, operations, technology, and support functions.
- Drive cost optimization projects and track savings initiatives.

5. Capital & Solvency Analysis
- Support solvency monitoring, capital requirement planning, and stress/scenario analysis.
- Assess financial implications of capital infusion, dividend decisions, and policy changes.
- Liaise with actuarial for solvency movements and risk-based capital metrics.

6. Cross-Functional Business Partnering
- Work closely with distribution, actuarial, treasury, product, investments, operations, and IT teams to support strategic decisions.
- Provide analytical insight

📌 Financial Planning (Hyderabad)
🏢 Shriram Life Insurance
📍 Hyderabad