Senior Cluster Manager - HDFC Branch Banking - West 1 Zone

Role Summary

This position is focused on driving insurance business through an assigned banking relationship or channel within a defined area or zone. The role requires influencing branch stakeholders so they can recommend Aditya Birla Sun Life Insurance products to their customers. It also involves providing complete pre-sales and post-sales support to the relationship and to end customers, while working with a dedicated team aligned to the account. A key expectation is not only to meet business targets, but also to sustain quarter-on-quarter growth.

Key Challenges

• Operating in a market that can move quickly, especially since the business is largely centred on unit-linked insurance products.
• Working through third-party relationships that may have competing priorities, making coordination and alignment essential.
• Balancing internal process requirements with the expectations and operating style of channel partners.

Key Result Areas

Deliver premium and revenue goals to support overall company growth.

• Maintain regular engagement with channel partners, including multiple branch heads of the bank.
• Map all important decision-makers and share relevant updates with regional and zonal leadership.
• Promote and drive all recognition and reward activities launched by the organisation.
• Design creative branch-level activities that improve customer reach and penetration.

Run sales and service processes smoothly to maximise business opportunity.

• Communicate changes in process, rules, or regulations through suitable training modules.
• Ensure that sales and service activities such as calls, policy issuance, and complaint handling happen without interruption.

Strengthen relationship management in an open-architecture environment.

• Support bank customers with the right service standards and product options.
• Build strong knowledge of both insurance and banking products.
• Manage relationships across all levels to achieve the desired outcomes.

Create new business opportunities within the assigned territory and relationships.

• Find fresh ways to work with the relationship and improve database conversion.
• Focus on the FLS review framework with 40% activation and 2 cases per active at 50K ATS.
• Maintain the desired product mix of Traditional 50%, ULIP 40%, and Term 10%.
• Drive 15% more business than TATA by sharing input for new products and sales pitches based on channel insights.
• Identify training requirements for both internal teams and channel partner teams.

Execute the right acquisition approach and preserve portfolio quality.

• Review business regularly and escalate relevant updates to senior stakeholders.
• Connect with customers through welcome calls.
• Work toward persistency targets as per company standards so renewals happen on time.
• Stay in touch with customers and resolve queries promptly to support timely renewal.

Additional Information

The role requires the ability to manage multiple priorities, work closely with bank branches, and support both sales and service delivery. Strong coordination, product understanding, and relationship-building are central to success in this position.