Cluster Manager - Axis- Bongaigaon

Role Overview

This position is responsible for driving insurance business through an assigned bank relationship or channel partner network in a defined area or zone. The role focuses on influencing partner teams so they can effectively position Birla Sun Life Insurance products to customers, while also ensuring strong pre-sales and post-sales support for both the partner and end clients. The role requires building steady quarter-on-quarter growth and meeting business targets consistently.

Business Impact and Scale

The role has direct responsibility for sales performance and affects the relationship’s top-line results. Indicative scale includes managing a team size of about 10 to 11 people depending on branch spread, with an annualized premium target in the range of 5 to 10 crore. Customer complaint handling is expected at zero tolerance, and premium persistency targets include 80% premium persistency, 80% policy persistency, and driving 13-month rolling premium persistency.

Key Challenges

• Operating in a market where unit-linked products are a major part of the portfolio, which can create volatility.
• Managing a strong dependency on the branch banking model in an open-architecture setup where the partner’s priorities may differ.
• Balancing internal process requirements with the expectations of channel partners.

Primary Responsibilities

• Deliver premium and revenue targets to support overall company growth.
• Maintain frequent engagement with multiple branch heads and other partner stakeholders.
• Identify key decision makers and ensure relevant updates are shared with regional and zone leadership.
• Drive and promote organizational recognition and reward initiatives across the partner network.
• Develop new and creative branch-level activities to improve customer reach and penetration.
• Ensure sales and service processes run smoothly, including sales calls, issuance, and complaint resolution.
• Communicate changes in processes, rules, and regulations through appropriate training support.
• Handle bank customer requirements by offering suitable insurance and banking product solutions.
• Apply strong knowledge of insurance products and bank products to support the relationship effectively.
• Manage relationships across all levels to deliver the desired business outcomes.
• Identify opportunities to deepen database penetration and grow business within the allocated area.
• Monitor activation levels, case productivity, and average ticket size as per business expectations.
• Maintain the desired product mix with focus on traditional, ULIP, and term business proportions.
• Contribute inputs for new products and sales messaging based on channel needs.
• Spot training needs for internal teams as well as partner teams and coordinate support accordingly.
• Review business quality regularly and escalate relevant information to superiors.
• Interact with customers through welcome calls and support timely renewals by resolving queries.

Team and Coordination

The role interacts regularly with support executives, trainers, HR, issuance coordinators, and client service teams for policy logging, training coordination, manpower issues, timely issuance, and service-related support. Externally, the role works daily with the relationship team to support business development and ensure smooth operations.

Organizational Links

The position connects with HR and administration leadership, including senior HR and compensation and benefits stakeholders, as part of the broader organizational structure.

Additional Information

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