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
• Solid 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).

📌 State Lead (Hyderabad)
🏢 Kshema
📍 Hyderabad