Jobs at Kshema General Insurance Limited

Leads the general insurance underwriting function across all major lines of business. Defines strategy, manages portfolio risk and profitability, strengthens risk assessment frameworks, ensures regulatory compliance, and drives analytics-enabled underwriting transformation. The role also develops underwriting talent and engages with reinsurers, brokers, regulators, and internal stakeholders to improve market positioning and sustainable growth.

Process and validate policy issuance and servicing data, including quality checks, KYC verification, risk-data validation, endorsements, and cancellations. Prepare MIS reports using basic Excel skills and ensure data-processing accuracy, operational compliance, and alignment between input and output records.

Develop original creative concepts and lead art direction across digital, social, print, video, events, and marketing communications. Translate briefs into visually compelling campaigns, establish visual direction, supervise creative execution, maintain brand consistency, analyze competitors and industry trends, and present ideas to stakeholders. Collaborate with copywriters, designers, video teams, marketers, and agencies while managing multiple projects and tight deadlines.

Supports insurance pricing, reserving, regulatory filings, and actuarial model development. Analyzes historical data, market trends, competitor performance, customer behavior, and actuarial methodologies to inform decisions. Collaborates with claims, finance, underwriting, and data science teams on granular pricing algorithms, regulatory regimes such as Ind AS 117 and RBC, and cross-functional initiatives. Prepares reports, presentations, visualizations, and recommendations for senior management while responding to audits and regulatory queries.

Manages regulatory compliance for health and motor insurance. Responsibilities include filing periodic returns with IRDAI and GIC, validating departmental data, maintaining audit-ready records, implementing relevant IRDAI circulars, supporting audits and Board presentations, and coordinating across functions to uphold corporate governance.

Recruit, onboard, train, and manage POSPs across rural territories to achieve general insurance GWP targets. Responsibilities include field visits, performance monitoring, customer engagement campaigns, basic claims and documentation support, and coordination with internal teams. The role requires strong local-market knowledge, relationship-building, negotiation, communication skills, and extensive travel across rural locations.

Drafts, reviews, negotiates, and manages commercial contracts and leases throughout their life cycle. Develops contract templates, supports legal compliance and risk management, advises internal departments, manages trademark registrations, conducts legal research, monitors relevant legislation including IRDAI regulations, and oversees litigation and outside counsel when needed.

Leads the enterprise threat and vulnerability management program, including vulnerability scanning, risk-based prioritization, remediation governance, threat intelligence, cloud and application security integration, penetration testing, threat modeling, metrics, reporting, audits, and stakeholder coordination. The role partners with IT, engineering, cloud, SOC, risk, and compliance teams to reduce exposure across infrastructure, applications, cloud environments, and third-party ecosystems.

Leads enterprise-wide data governance strategy, policies, SOPs, frameworks, tools, and stakeholder initiatives. Maintains governance documentation, partners with data owners and technology teams, leads council and cross-functional working groups, resolves data issues, oversees governance tool deployment, and reports data governance KPIs to leadership.

Leads end-to-end data science and AI projects, including modeling, testing, deployment, and value realization. Manages multidisciplinary teams, coordinates with Product, IT, Climate, Risk, GIS, and business stakeholders, and applies peril modeling, climate risk, insurance, and geospatial expertise. Maintains the DSAI operating model, establishes development best practices, and oversees team capability development, mentoring, and performance management.

Recruit, onboard, train, and support insurance agents while driving sales target achievement. Develop sales strategies, identify business opportunities, grow the agency channel, expand market share, and improve profitability. Monitor agent performance, provide coaching, maintain agent relationships, coordinate with internal departments, and address agent needs. The role requires insurance industry experience, familiarity with insurance plans, basic computer knowledge, and statistical analysis skills.

Conduct high-volume outbound telesales for crop, motor, health, and other general insurance products. Convert marketing leads into direct sales, manage and grow assigned broker portfolios, build customer and broker relationships, and achieve aggressive monthly revenue targets. The role requires strong phone communication, negotiation, retention, resilience, and revenue-generation skills in a six-day workweek environment.

Sell crop and other general insurance products to bank customers through bancassurance channels. Build and maintain strong client relationships, understand the bancassurance sales process, achieve sales targets, and use analytical and problem-solving skills to support customer and business needs.

Designs, negotiates, places, and monitors reinsurance programs aligned with risk appetite, financial objectives, and regulatory requirements. Evaluates reinsurance needs, negotiates contract terms, prepares submissions and agreements, and oversees reinsurance accounting, reporting, audits, settlements, and claims. Maintains relationships with brokers, reinsurers, and internal teams, resolves issues, monitors program performance, identifies coverage or cost gaps, and advises senior management on industry developments and strategic improvements.

Supports enterprise risk management by monitoring Key Risk Indicators, escalating breaches, analyzing risk trends, coordinating risk data, promoting risk awareness, conducting control assessments and audits, tracking remediation actions, maintaining audit documentation, and preparing governance dashboards and regulatory reports. The role collaborates with Underwriting, Claims, Finance, and IT teams to strengthen controls, embed risk practices, and reduce recurring issues.

Oversee daily financial operations, accounts payable and receivable, payroll, reporting, reconciliations, budgeting, cash flow forecasting, compliance, audits, fixed assets, and intangible asset capitalization. Manage month-end and year-end close activities, maintain accurate financial records, improve accounting processes, implement financial software, and support staff with financial matters. The role also requires preparing financial statements and migrating books of accounts.

Drive product strategy, vision, roadmap, requirements gathering, solution design, delivery, metrics, and lifecycle improvements. Collaborate with engineering, design, QA, marketing, and business stakeholders to deliver scalable digital solutions. Lead user acceptance testing, analyze market and competitive trends, and use data-driven insights to improve product performance and outcomes.

Develops and maintains Power BI dashboards, paginated reports, semantic models, and reusable datasets. Responsibilities include advanced data modeling, DAX and performance optimization, Power Query transformations, security governance, CI/CD deployment, and integration with enterprise data sources. The role translates business requirements into actionable visual insights, incorporates predictive and machine learning outputs, and supports insurance analytics across claims, underwriting, risk, portfolios, and operations. It also provides stakeholder collaboration, user training, documentation, and reporting enablement.