State Lead (Rural Business)

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.
  

? 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.

Compensation

• Competitive Salary + Performance Linked Incentives + Allowances (as per company norms).