Job Description
— Regional / Cluster Manager/ Area Manager Job Identification Job Title Regional / Cluster Sales Manager/ Area Manager Bancassurance Function Bancassurance / Distribution Department Growth Role Purpose The Regional / Cluster Sales Manager is the regional execution owner for the Bank bancassurance relationship. The role translates the central account strategy into measurable branch and field execution across the assigned Regional Office. The Regional Manager is accountable for regional business performance, branch activation, FOS productivity, bank-employee engagement, pipeline management and resolution of local execution issues. The role serves as the operational bridge between the Account Manager, Bank Regional Office, branches and Kshema's field organization.

Key Responsibilities
A. Regional Bank Relationship
- Own day-to-day relationship management with the assigned Bank Regional Office.
- Develop effective engagement with the RO Head and relevant officials.
- Conduct structured regional performance reviews.
- Obtain appropriate support for branch activation and approved business initiatives.
- Escalate account-level matters to the Account Manager. B. Regional Business Planning
- Translate allocated regional targets into branch/cluster-level plans.
- Segment branches by opportunity.
- Identify priority, dormant, developing and high-potential branches.
- Develop crop-season activity plans.
- Maintain regional pipeline visibility.
- Plan FOS allocation based on prospect and travel feasibility.
- Develop corrective plans for underperforming branches or territories. C. Branch Activation & Productivity Maintain visibility of:
- Total branches
- Activated branches
- Productive branches
- Dormant branches
- High-potential branches
- Low-performing branches
- Establish intervention plans for each major segment.
- Ensure branch activation translates into sustained productivity rather than one-time activity. D. FOS Management Allocate branches and territories to FOS.
- Define daily and weekly activity plans.




- Review branch visits and customer activities.
- Conduct regular field coaching and joint visits.
- Monitor pipeline quality and conversion.
- Identify productivity gaps.
- Coach underperforming employees.
- Maintain appropriate attendance and field discipline.
- Escalate manpower or performance issues when required. E. Bank Staff Engagement Build working relationships with Branch Managers. Engage relevant branch employees. Conduct approved product and process briefings. Encourage appropriate lead referral and customer identification. Communicate approved campaigns. Resolve field-level implementation issues. Recognize and replicate successful branch practices where permitted. F. Business Funnel & Conversion Management
- Monitor the complete regional funnel: Lead → Customer Interaction → Quote/Proposal → Documentation → Policy → Renewal Track:
- Lead volumes
- Quotes
- Proposals
- Policies issued
- Premium
- Conversion ratio
- Pending cases
- Renewals
- Require clear reasons for significant drop-off or pending cases. G. Rural & Farmer Outreach Coordinate and supervise:
- Farmer awareness programmes
- Customer meetings
- Village-level outreach where appropriate
- Branch/customer camps
- Seasonal agricultural campaigns
- Crop-calendar-linked engagement
- Ensure only approved product and communication material is used. H. Operations & Service Coordination Coordinate local resolution of:
- Documentation gaps
- Proposal deficiencies
- Policy issuance delays
- Customer queries
- Pending cases
- Claims support requirements
- Service escalations **Technical decisions remain with authorized Operations, Underwriting and Claims teams. I.



MIS & Performance Reviews Maintain: Daily FOS activity report Weekly branch performance report Regional sales funnel Premium tracker Branch activation tracker FOS productivity tracker Training tracker Issue/action tracker Monthly business review Ensure data quality rather than merely report submission. J. Compliance Monitor branch and FOS execution for: Accurate product communication Proper documentation Customer consent Approved sales process Ethical selling Data confidentiality No mis-selling Compliance with bank and insurer guidelines Escalate material concerns immediately. Cluster Sales Manager/ Area Manager should be result oriented and should be striving for appended outcomes: Regional Business Delivery Regional target achievement Branch Activation High active/productive branch penetration FOS Productivity Productive and disciplined field organization Bank Engagement Strong Regional Office and branch relationships Sales Funnel Healthy lead flow and conversion Renewal Strong eligible renewal conversion Service Timely issue resolution Training Effective branch/FOS capability Compliance Quality and compliant sales MIS Accurate and timely regional visibility Qualifications & Experience Graduate from a recognized institution. Postgraduate/MBA qualification desirable but not essential. Experience in insurance, banking, bancassurance, rural distribution or financial-services sales preferred. Team-handling experience strongly preferred. Rural/agricultural-market exposure desirable. Ability and willingness to undertake substantial field travel. Functional Competencies Regional sales management Bancassurance Branch activation Funnel management General insurance Crop/agriculture insurance awareness Team productivity management Sales coaching MIS analysis Customer-service coordination Compliance awareness Behavioural Competencies Execution orientation Team leadership Relationship building Coaching Problem solving Accountability Planning and prioritization Communication Adaptability High field orientation

📌 cluster manager (India)
🏢 Kshema
📍 India