Key Responsibilities

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.
- Robust 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).

📌 State Lead (Rural Business) (Hyderabad)
🏢 Kshema
📍 Hyderabad