Care Health Insurance – Manager/Cluster Head/Area Head – Sales

Job Description

The Cluster Head is a critical leadership role responsible for driving business growth, achieving sales targets, and ensuring operational efficiency within a defined cluster of branches/locations. This role involves leading and managing a team of sales managers, branch managers, and other personnel to maximize productivity, enhance customer satisfaction, and expand market share. The Cluster Head will be responsible for implementing strategic initiatives, fostering a high-performance culture, and ensuring compliance with regulatory guidelines. A strong understanding of the insurance industry, coupled with exceptional leadership and communication skills, is essential for success in this role.

Key Responsibilities:

1. Sales & Business Development:

– Develop and implement strategic sales plans to achieve and exceed cluster-level sales targets for various insurance products (e.g., life, health, general).

– Monitor and analyze sales performance, identify areas for improvement, and implement corrective actions.

– Drive the acquisition of new customers and enhance customer retention through effective sales strategies and relationship management.

– Identify and explore new business opportunities and market segments to expand the cluster's reach.

– Collaborate with marketing teams to develop and execute targeted marketing campaigns and promotional activities.

– Foster strong relationships with key partners, agents, and distributors.

– Ensure that the sales team is well trained on all products and sales processes.

2. Team Leadership & Management:

– Lead, motivate, and mentor a team of sales managers, branch managers, and other personnel.

– Set clear performance objectives, provide regular feedback, and conduct performance appraisals.

– Identify training and development needs of team members and facilitate appropriate training programs.

– Foster a positive and collaborative work environment that promotes teamwork and high performance.

– Ensure effective communication and coordination within the cluster team and with other departments.

– Resolve conflicts and address performance issues in a timely and professional manner.

– Recruit, onboard, and train new team members as needed.

3. Operational Excellence:

– Ensure adherence to company policies, procedures, and regulatory guidelines.

– Monitor and manage operational efficiency across the cluster, including branch operations, customer service, and claims processing.

– Implement and maintain effective systems and processes to optimize operational performance.

– Ensure compliance with all relevant regulatory requirements and internal audit standards.

– Manage budgets and control expenses within the allocated limits.

– Analyze and report on key performance indicators (KPIs) and operational metrics.

– Ensure timely and accurate reporting of sales, operational, and financial data.

4. Customer Relationship Management:

– Ensure a high level of customer satisfaction by providing excellent service and resolving customer issues promptly.

– Develop and implement customer relationship management strategies to enhance customer loyalty.

– Monitor customer feedback and address customer complaints effectively.

– Ensure that customer interactions are conducted in a professional and courteous manner.

– Maintain a strong understanding of customer needs and preferences.

5. Risk Management & Compliance:

– Ensure compliance with all applicable laws, regulations, and company policies.

– Identify and mitigate potential risks associated with sales and operational activities.

– Implement and maintain effective risk management controls.

– Ensure that all sales and operational activities are conducted in an ethical and transparent manner.

Qualifications & Experience:

– Bachelor's degree in business administration, marketing, finance, or a related field. MBA or relevant postgraduate qualification is preferred.

– 8 years of experience in the insurance industry, with a proven track record of success in sales and leadership roles.

– Strong understanding of insurance products, sales processes, and regulatory requirements.

– Excellent leadership, communication, and interpersonal skills.

– Proven ability to build and manage high-performing teams.

– Strong analytical and problem-solving skills.

– Ability to work independently and as part of a team.

– Proficiency in MS Office Suite and CRM software.

– Excellent presentation and negotiation skills.

– A strong understanding of local market dynamics is highly desirable.

– Relevant insurance certifications or licenses are a plus.

Skills:

– Sales Management

– Team Leadership

– Operational Management

– Business Development

– Customer Relationship Management

– Risk Management

– Compliance

– Financial Analysis

– Strategic Planning

– Communication & Interpersonal Skills

– Problem Solving

– Negotiation

– Presentation

Performance Metrics:

– Achievement of sales targets (new business, renewals, cross-selling).

– Customer acquisition and retention rates.

– Team performance and productivity.

– Operational efficiency and compliance.

– Customer satisfaction scores.

– Budget management.

– Market share growth.

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(ref:iimjobs.com)