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.

- -