State Head – Rural Business (Madhya Pradesh)

kshema general insurance limited

Hyderabad, India

6-10 Years

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Posted 15 hours ago
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Job Description

Key Responsibilities

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.
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.
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.
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.
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.
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.
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.
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