Business Planning and Execution Drive business performance in alignment with business plan for prime vertical to deliver defined topline targets Conducting weekly meetings with teams for cascading business plan provide them with inputs to achieve agreed topline and focus on preferred LOBs Implement local RR and contests for the team to ensure focus on deliverables and drive business Plan deliver training to enhance technical capabilities of team to ensure they are equipped to drive business with intermediaries Support and Guide the team in Identification Top agents from competition and influencing them to do business with BAGIC Intermediaries management Support intermediaries by recommending focus areas/ target segments and guide them to maximize revenue generated for BAGIC Drive campaigns/ trainings/ league programs for intermediaries to develop their knowledge and enhance their sales capabilities Conduct joint field calls with intermediaries to support them in closing business. Conduct meetings with intermediaries for evaluating and increasing the IMDs wallet share as well as business mix with a focus on profitability Assessing and exploring reasons for low performance of potential IMDs and provide enablers for an improved delivery

Business Planning and Execution Drive business performance in alignment with business plan for prime vertical to deliver defined topline targets Conducting weekly meetings with teams for cascading business plan provide them with inputs to achieve agreed topline and focus on preferred LOBs Implement local RR and contests for the team to ensure focus on deliverables and drive business Plan deliver training to enhance technical capabilities of team to ensure they are equipped to drive business with intermediaries Support and Guide the team in Identification Top agents from competition and influencing them to do business with BAGIC Intermediaries management Support intermediaries by recommending focus areas/ target segments and guide them to maximize revenue generated for BAGIC Drive campaigns/ trainings/ league programs for intermediaries to develop their knowledge and enhance their sales capabilities Conduct joint field calls with intermediaries to support them in closing business. Conduct meetings with intermediaries for evaluating and increasing the IMDs wallet share as well as business mix with a focus on profitability Assessing and exploring reasons for low performance of potential IMDs and provide enablers for an improved delivery

Business Development Responsible for constant recruitment of Intermediaries/ POSP/Insurance Consultants Responsible to drive business through Recruited Agent/POSP/Insurance Consultants to ensure his assigned targets on monthly/quarterly/half yearly/ yearly basis Training and development of Recruited Agents/POSP/Insurance Consultants to ensure they are fully equipped with company products, digital assets, compensation, market updates Plan and execute activities/strategies which can improve business To build a robust and profitable distribution of Agent/POSP/Insurance Consultants To build a roadmap to plan, achieve his target and achieve his target and expand by achieving his/her monthly/quarterly/half yearly/yearly. Business Review To implement sales strategy and ensure productivity of the agent/posp/insurance consultants/ To ensure consistency for agent/posp/insurance consultants Support and Service To ensure all support/service is rendered to the IMD/Customer by coordinating with Retail Central team and maintain good and fair relationship with the with the IMD Responsible to implement new changes/process implementation by organizing them Insure IMD/Customer complaints grievances gets resolved on within given timeline Distribution Built up Hiring and retaining IMD for working in Life Agency in General Insurance business from preferred market segment Set objectives, conduct reviews and provide constructive feedback on regular basis for performance improvement

Execution Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through RR activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography Relationship Management Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers driving sales closure for the same. Identify cross sell opportunities for existing customers New Acquisition Banking Partners Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability viability assessment of partnership Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Service Orientation Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process track such requests in coordination with internal ops team ; Ensure ease of process approvals for partners by coordinating with internal Ops team Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines.

Business Partnering Engage with the leadership to understand key business priorities and objectives to drive the people agenda for aligned functions Keep a track of approved manpower as per sanctions and manage deviations if any Review current productivity levels/ trends and act as advisory for own functions on increasing productivity Partner with the business on policies and processes related to New Hires, Terminations and other employee changes Maintain high visibility with leaders for own functions and be their first point of contact for HR- related concerns Anticipate HR issues / concerns by engaging with various stakeholders across the business and take focused action in mitigating the risks involved Work closely with HR COEs to implement HR agenda in respective businesses, also provide feedback on HR processes and practices to COEs to ensure initiatives are successful and in line with business goals Collaborate with LD to help capture learning needs to organize training sessions as appropriate in developing skills to manage human resources more effectively through coaching, instruction and training Review and analyze metrics including data on attrition, retention and productivity and communication the same to business leaders Act as Advisory to respective Business Functions for restructuring, manpower planning, assisting TA team in recruitment of right talent at an optimized cost for fitments and redeployment of resources Participate in regular business meetings with National and Vertical Heads to understand Talent/ engagement/ performance concerns with respect to existing employees Redeployment activities - finding appropriate positions for redeployment, coordination with TA team and line, convince line managers to take them, present the employee case for the role to the manager Develop effective partnership with employees, managers, leaders and ensure positive work environment by enhancing business performance through efficient business partnering. Identifying the pain areas of the vertical and devise interventions around it e.g. new joiner attrition Incentive analysis - Understand if the scheme is benefiting the business and employee, are pay-outs as per the scheme Onboarding New Joiner experience Onboard new joiners and track the 30, 60 and 90 day feedback of new joiners and devise interventions around the feedback Engage with respective new joiners periodically to gauge their personal aspirations / goals as well as take stock of issues / concerns Step in to resolve escalations and ensure smooth onboarding of the employee for own function Assist team in ET MT induction post deployment and ensuring role suitability Employee Engagement Driving the ESS survey for own functions while ensuring maximum participation and draw action planning post survey results based on FGDs Communicate ES scores to the leaders and include them in the action planning post survey Ensure adherence and deployment of the R R framework and promote a culture of recognition for the function Investigate complaints brought forward by employees and assist in resolving the same Enable managers leaders with proactive solutions to address people challenges and foster positive work environment

Overview The Information and Cyber Security Governance Manager for is responsible for overseeing the governance, risk, and compliance activities across the Security Operations Center (SOC), Incident Management and Vulnerability Management. This role ensures that these critical areas operate in alignment with industry standards, regulatory requirements, and internal policies. The Governance Manager will establish and enforce policies, procedures, and controls to safeguard the organizations information assets and mitigate risks. Key Responsibilities Security Operations Center Governance Governance Framework: Develop, implement, and maintain the governance framework for the SOC, ensuring alignment with industry best practices and regulatory requirements.Policy Development: Create, review, and update security policies, standards, and procedures to ensure they are effective and up-to-date.Risk Management: Identify, assess, and mitigate security risks related to SOC operations. Develop risk management strategies and monitor the effectiveness of risk mitigation measures.Incident Response Oversight: Oversee the incident response process, ensuring that incidents are managed and resolved in accordance with established protocols.Training and Awareness: Develop and deliver training programs to enhance the security awareness and skills of SOC staff. Ensure that all team members are knowledgeable about governance and compliance requirements.Key Responsibilities Data Security Governance and Vulnerability Management Strategy: Develop, implement, and maintain the data security strategy and framework, ensuring alignment with industry best practices and regulatory requirements.Policy Development: Create, review, and update data protection policies, standards, and procedures to ensure they are effective and current.Risk Assessment: Conduct regular risk assessments to identify and mitigate potential data leakage risks. Develop risk management strategies and monitor their effectiveness.Incident Response: Oversee the data breach and incident response process, ensuring that incidents are managed and resolved according to established protocols.Monitoring and Analysis: Implement and manage DLP tools and technologies to monitor data flows and detect potential data leakage. Analyze DLP alerts and incidents to identify trends and areas for improvement.Training and Awareness: Develop and deliver training programs to enhance the data protection awareness and skills of employees. Ensure that all team members are knowledgeable about DLP policies and procedures.General ResponsibilitiesCompliance Management: Ensure compliance with relevant security standards and regulations across SOC, DLP, and VAPT. Conduct regular audits and assessments to verify compliance.Risk Management: Identify, assess, and mitigate security risks related to SOC, DLP, and VAPT operations.Reporting and Metrics: Develop and maintain key performance indicators (KPIs) and metrics to monitor the effectiveness of the governance programs. Prepare and present reports to senior management.Collaboration: Work closely with other departments, such as IT, Legal, and Compliance, to ensure a cohesive approach to security governance.Continuous Improvement: Promote a culture of continuous improvement within SOC, DLP, and VAPT programs. Identify areas for enhancement and implement best practices. Qualifications Education: Bachelors degree in Information Security, Computer Science, or a related field. A Masters degree is preferred. Certifications: CEH / OSCP, and Any one of CISA, CISSP, CISM, CRISC, or other relevant certifications. Experience: Minimum of 5 years of experience in Security Operation Center Governance, risk, and compliance with specific experience in a SOC, Developing Key risk indicators, Threat Hunting, SOAR implementation, Defining MTTD MTTR, SIEM use cases.

Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Sales Planning Analyze the growing business segments (Branch, Loan book, etc) of partner banks through historical performance and propose budgeted growth for AOP to supervisor for own region. Recommend manpower requirement based on business potential in the segments identified for driving sales. Provide Inputs and Insights to team to extract maximum business in growing segments and drive sales in their assigned partner bank branches within the region. Design and recommend incentive plan, campaigns within the PPSU team to achieve targeted topline. Partner Bank Relationship Management Organize Structured Weekly, Fortnightly and monthly meeting with partner branches to resolve service related issues and address escalations. Support design and recommend specific products that can be introduced from time to time based on the outcome of the structured meeting or analyzing past trends in the segment or best practices of competition. Design, recommend and execute campaign/contest for the Partner Bank to drive sales in profitable segments. Liaise with finance team in ensuring that campaign budgets are approved and the payouts are processed timely. Operations Management Review Periodically assess/review Loan Book Penetration and Branch activation to enable course correction. Organize meetings within/with the team/s to understand challenges faced in terms of conversion at branches and provide solutions. Put in place real time MIS Reporting to ensure information available at all times on all performance or productivity parameters.

Sales Planning Analyze the growing business segments (Branch, Loan book, etc) of partner banks through historical performance and propose budgeted growth for AOP to supervisor for own region. Recommend manpower requirement based on business potential in the segments identified for driving sales. Provide Inputs and Insights to team to extract maximum business in growing segments and drive sales in their assigned partner bank branches within the region. Design and recommend incentive plan, campaigns within the PPSU team to achieve targeted topline. Partner Bank Relationship Management Organize Structured Weekly, Fortnightly and monthly meeting with partner branches to resolve service related issues and address escalations. Support design and recommend specific products that can be introduced from time to time based on the outcome of the structured meeting or analyzing past trends in the segment or best practices of competition. Design, recommend and execute campaign/contest for the Partner Bank to drive sales in profitable segments. Liaise with finance team in ensuring that campaign budgets are approved and the payouts are processed timely. Operations Management Review Periodically assess/review Loan Book Penetration and Branch activation to enable course correction. Organize meetings within/with the team/s to understand challenges faced in terms of conversion at branches and provide solutions. Put in place real time MIS Reporting to ensure information available at all times on all performance or productivity parameters.

Claims operations On monthly basis, monitor key performance parameters such as - Claims settlement TAT Claim Settlement Ratio Efficiency ratio, etc.; Track deviations against set targets and identify reasons for deviations Closely monitor and control the high ageing open claims, including co-insurance claims Review the reserve revisions for Non Motor claims in the zone Enter into a discussion and negotiation with the surveyor and the client in order to obtain his consent and release payment accordingly To keep liaison with other departments Co-ordinate with Surveyor/Investigator Recommend head office to empanel service provider, after taking market feedback. Appoint appropriate surveyor and other service providers to carry out survey and assessment of loss, of reported claims. Monitor claims assessment and inspection conducted by surveyors in alignment with BAGIC s claims guidelines Maintain effective professional relationship with all the service providers including surveyors. Claims Review and Approval Study the claim related files such as brief, mandatory documents, survey reports and team leader/member recommendations for approval/advice Review and approval of claims upto DOA for all Non Motor LOBs Review and approve the repudiation cases upto DOA Recommend claims above DOA to the superior/NHOD for approval/repudiation Team development Establish individual performance expectations for team members and regularly review their performance in discussions with superior/NHOD Conducting the need based training program for the development of the team members on all product and processes Mandatory Skills: Experience of non-motor claims in insurance industry .Past experience of corporate surveyor company Desirable Skills: 1.Good communication skills. 2.Flexible adaptable to change. 3.Well versed with MS Office.4.Should have good analytical and problem-solving skills. 5.Should be aware of the Local language. Years Of Experience: 6 to 10 years Education/Qualification: Engineering Graduate or Cost Accountant / Chartered Accountant Insurance qualification - Fellowship/CII/MBA in Insurance

Risk Assessment and UW Implementation and monitoring of various underwriting guidelines related to Commercial products. Main accountability includes Risk analysis, Risk acceptance, Risk selection, Policy coverage (Policy wording, Add-on covers, Exclusions / Inclusions etc.), Renewal business, etc. within the purview of set Underwriting Guideline to achieve the desired business outcomes Maintain TAT and compliance as per UW authority matrix. Reviewing proposals and providing Inputs in terms of local market dynamics, nature of business, quality of risk and recommendations thereof. Strong market intelligence i.e. a broader view of the market we operate in /competitors details for formulating internal strategies. Work in close coordination with the sales team on the available profitable business opportunities falling with the underwriting guidelines of the company. Review the risk based on the market intelligence and based on the third-party risk inspection reports Relationship management Interacting with internal stakeholders (Operations, Marketing, Finance, Claims etc.) to meet the smooth proceedings of the business requirements at various stages Develop the key relationship with major clients and Intermediaries along with marketing team to develop long term sustainable business growth Analytics MIS Reporting Analyzing the risk and identifying business that can be picked up in declined risk category and seek necessary approvals from seniors/HO for the same Mandatory Skills: 1. Risk Assessment and UW Implementation and monitoring of various underwriting guidelines related to Commercial products. Main accountability includes Risk analysis, Risk acceptance, Risk selection, Policy coverage (Policy wording, Add-on covers, Exclusions / Inclusions etc.), Renewal business, etc. within the purview of set Underwriting Guideline to achieve the desired business outcomes Maintain TAT and compliance as per UW authority matrix. Desirable Skills: 1.Good communication skills. 2.Flexible adaptable to change. 3.Well versed with MS Office. 4.Should have good analytical and problem-solving skills. 5.Should be aware of the Local language. Education/Qualification: Graduate or Post Graduate Qualifications in Insurance will be an added advantage (eg: Fellowship/ Associate/Licentiate of I.I.I.)

Execution Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through RR activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography Relationship Management Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers driving sales closure for the same. Identify cross sell opportunities for existing customers New Acquisition Banking Partners Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability viability assessment of partnership Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Service Orientation Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process track such requests in coordination with internal ops team ; Ensure ease of process approvals for partners by coordinating with internal Ops team Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines.

Business Development Responsible for constant recruitment of Intermediaries/ POSP/Insurance Consultants Responsible to drive business through Recruited Agent/POSP/Insurance Consultants to ensure his assigned targets on monthly/quarterly/half yearly/ yearly basis Training and development of Recruited Agents/POSP/Insurance Consultants to ensure they are fully equipped with company products, digital assets, compensation, market updates Plan and execute activities/strategies which can improve business To build a robust and profitable distribution of Agent/POSP/Insurance Consultants To build a roadmap to plan, achieve his target and achieve his target and expand by achieving his/her monthly/quarterly/half yearly/yearly. Business Review To implement sales strategy and ensure productivity of the agent/posp/insurance consultants/ To ensure consistency for agent/posp/insurance consultants Support and Service To ensure all support/service is rendered to the IMD/Customer by coordinating with Retail Central team and maintain good and fair relationship with the with the IMD Responsible to implement new changes/process implementation by organizing them Insure IMD/Customer complaints grievances gets resolved on within given timeline Distribution Built up Hiring and retaining IMD for working in Life Agency in General Insurance business from preferred market segment Set objectives, conduct reviews and provide constructive feedback on regular basis for performance improvement

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with large IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner

Execution Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through RR activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography Relationship Management Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers driving sales closure for the same. Identify cross sell opportunities for existing customers New Acquisition Banking Partners Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability viability assessment of partnership Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Service Orientation Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process track such requests in coordination with internal ops team ; Ensure ease of process approvals for partners by coordinating with internal Ops team Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines

Sales Planning Analyze the growing business segments of partner banks and propose budgeted growth for AOP to supervisor for own region. Recommend manpower requirement based on business potential in the segments identified for driving sales. Provide Inputs and Insights to team to extract maximum business in growing segments and drive sales in their assigned partner bank branches within the region. Design and recommend incentive plan, campaigns within the PPSU team to achieve targets. Partner Bank Relationship Management Organize Structured Weekly, Fortnightly and monthly meeting with partner branches to resolve service related issues and address escalations. Support design and recommend specific products that can be introduced from time to time based on the outcome of the structured meeting or analyzing past trends in the segment or best practices of competition. Design, recommend and execute campaign/contest for the Partner Bank to drive sales in profitable segments. Liaise with finance team in ensuring that campaign budgets are approved and the payouts are processed timely. Operations Management Review Periodically assess/review Loan Book Penetration and Branch activation to enable course correction. Organize meetings within/with the team/s to understand challenges faced in terms of conversion at branches and provide solutions. Put in place real time MIS Reporting to ensure information available at all times on all performance or productivity parameters. Team Deployment and Development Identify and place right talent at branches by participating in the recruitment process. Communicate and establish individual performance parameters and expectation and review periodically Coordinate with specific departments to facilitate Product/Functional/Behavioral training to arrest any discrepancy that might hinder individual as well as department performance

1. Organizational Understanding : Exhibit basic understanding of organizational goals and vision, key initiatives. Basic awareness of operating procedures, SOP, value chain and ability to align with organization Industry Understanding Competitive Awareness: Knowledge of industry rivals and latest trends and updates in GI Industry 2. Product Specifications: Knowledge about the products and their specifications portfolio mix to provide relevant information to sales partners 3. Banking Knowledge: Knowledge of Key banking Players, segmentation of banks in the market, differentiation in products, Customer base provide relevant inputs for supporting the National Tie ups 4. Channel Development: Develop and maintain relationships with sales partners, bank and allied sector. 5. Sales Execution: Analyse bank branch profile, customer mix and pitch book to prospect and use multiple selling technique to manage customer expectations to build a strong pipeline of sales leads 6. Customer Understanding : Awareness about the target customer groups to understand immediate customer needs and retain an influence over how customers views own products and services Ability in delivering an effective customer value proposition 7. Customer Service Orientation : Provide responsive and high-quality service support to banking partners through internal coordination for underwriting pricing approval, policy issuance, endorsements, usage of digital tools, etc. to ensure efficient delivery across the sales lifecycle

1. Campaign Management Design/Ideation of campaigns for IMD s, employees across national/local levels and refer for approvals / signoff from NHOD, zonal heads, vertical heads, finance, and marketing team. Plan design communication plan for all the campaigns. Plan execution for events across locations depending upon the type of campaign. Negotiation of best rates for all the events planned for agency getting the same approved by NHOD / Finance.2. Stakeholder Management ( Internal / External ) Co-ordination with internal stakeholders (verticals heads) for disseminating the MoM held at HO for alignment with business priorities. Providing data to other functions (finance, HR, Corp. Mktg. , PMO) regards to agency LOB. Plan for training, communication of new systems to internal teams. Co-ordinate with external stakeholders (vendor partners) to provide inputs on new systems introduced for IMD s / employees.3. MIS Reporting Plan frequency of reports, consumer of reports formats of report. Review the reports for veracity randomly suggest corrections for deviations. Comprehend customize report requirement by stakeholders (NHOD, zonal heads, vertical heads). Align team members to understand the requirement review the reports / dashboards before it gets published with targeted stakeholder. Liaising with external vendors on planning delivery of frequent report automations.4. IT Support Automation SPOC for I-Mitra portal, EezeeTab application, Access control rights to business system. Do requirement gathering from internal stakeholders on revamping of legacy systems, documenting the requirement passing it on the vendor for development of new systems.

Execution Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines. Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process track such requests in coordination with internal ops team ; Ensure ease of process approvals for partners by coordinating with internal Ops team Service Orientation Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability viability assessment of partnership New Acquisition Banking Partners Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers driving sales closure for the same. Identify cross sell opportunities for existing customers Relationship Management Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through RR activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography

Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner

Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Execution Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through RR activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography 2. Relationship Management Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers driving sales closure for the same. Identify cross sell opportunities for existing customers 3. New Acquisition Banking Partners Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability viability assessment of partnership Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head 4. Service Orientation Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process track such requests in coordination with internal ops team ; Ensure ease of process approvals for partners by coordinating with internal Ops team

JOB PURPOSE: Decide about terms, conditions, pricing for business arising out of geographies (almost 90% of business) that require market insights, technical assessment of risk parameters and building a robust portfolio that delivers underwriting profits. Produce data and information that shapes underwriting guidelines based on market practices as well as underwriting guidelines for all non-motor products across both corporate and retail channels to ensure selection of profitable business in minimum turnaround time, keeping loss ratios under control. PRINCIPAL ACCOUNTABILITIES: Business profitability maintenance Participate in creation of underwriting guidelines for various type of conditions under which the risk should be accepted on various non- motor products/ policies (such as property, marine etc.) to maintain profitability of the company Provide guidance to the team in conducting assessment of proposals/ business opportunities to ensure genuine/ profitable business is acquired to keep claims ratio in check Analyze the potential business opportunities and check their applicability with reinsurance treaty to assess the maximum amount of Risk that can be underwritten (including the proportion of risk to be passed to reinsurer) Ensure assessment of business opportunities happens in timely manner so that business can be converted in minimum turnaround time Capability enhancement Conduct training for team to enhance their technical knowledge of underwriting guidelines and equip them with capabilities to apply those guidelines in various business scenarios Provide training to internal stakeholders (sales team and other business partners) and external stakeholders (agents, brokers and third party vendors) to enhance their knowledge of USPs associated with various products and processes Business and operational support Support sales team/ agents/ brokers by providing them with products information required to drive high sales Provide ideas for design of new products or upgrade of existing products basis understanding of market requirements to support in driving growth of business Identify and recommend improvement opportunities in underwriting processes (such as improvement of TAT, introduction of rule-based underwriting where possible etc.) to increase operational efficiency. Relationship management Interact with various stakeholders (sales team, compliance team, products team, agents and brokers etc.) to discuss various products and risk to be undertaken in compliance with regulatory requirements Build and maintain relationship with clients to explain and assure them of BAGIC s value proposition, various products and risk coverage of their business Team development Participate in selection process to identify the right talent for positions within the team Establish individual performance expectations and evaluation metrics for team and regularly review their performance Identify and create development opportunities for team members to enhance domain knowledge and develop underwriting expertise to drive growth in productivity Redundancy and second line planning for the team. SKILLS AND KNOWLEDGE: Educational Qualifications:a) Qualifications Master s in business administration and/or Bachelor s in EngineeringFellowship in insurance b) Work Experience Overall 15+ years of experience with 10+ years in technical side of General Insurance businessComprehensive understanding of insurance industry and underwriting guidelines practices.

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

Sales Planning Analyze the growing business segments (Branch, Loan book, etc) of partner banks through historical performance and propose budgeted growth for AOP to supervisor for own region. Recommend manpower requirement based on business potential in the segments identified for driving sales. Provide Inputs and Insights to team to extract maximum business in growing segments and drive sales in their assigned partner bank branches within the region. Design and recommend incentive plan, campaigns within the team to achieve targeted topline. Partner Bank Relationship Management Organize Structured Weekly, Fortnightly and monthly meeting with partner branches to resolve service related issues and address escalations. Support design and recommend specific products that can be introduced from time to time based on the outcome of the structured meeting or analyzing past trends in the segment or best practices of competition. Design, recommend and execute campaign/contest for the Partner Bank to drive sales in profitable segments. Liaise with finance team in ensuring that campaign budgets are approved and the payouts are processed timely. Operations Management Review Periodically assess/review Loan Book Penetration and Branch activation to enable course correction. Organize meetings within/with the team/s to understand challenges faced in terms of conversion at branches and provide solutions. Put in place real time MIS Reporting to ensure information available at all times on all performance or productivity parameters.

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

Business Development Responsible for constant recruitment of Intermediaries/ POSP/Insurance Consultants Responsible to drive business through Recruited Agent/POSP/Insurance Consultants to ensure his assigned targets on monthly/quarterly/half yearly/ yearly basis Training and development of Recruited Agents/POSP/Insurance Consultants to ensure they are fully equipped with company products, digital assets, compensation, market updates Plan and execute activities/strategies which can improve business To build a robust and profitable distribution of Agent/POSP/Insurance Consultants To build a roadmap to plan, achieve his target and achieve his target and expand by achieving his/her monthly/quarterly/half yearly/yearly. Business Review To implement sales strategy and ensure productivity of the agent/posp/insurance consultants/ To ensure consistency for agent/posp/insurance consultants Support and Service To ensure all support/service is rendered to the IMD/Customer by coordinating with Retail Central team and maintain good and fair relationship with the with the IMD Responsible to implement new changes/process implementation by organizing them Insure IMD/Customer complaints grievances gets resolved on within given timeline Distribution Built up Hiring and retaining IMD for working in Life Agency in General Insurance business from preferred market segment Set objectives, conduct reviews and provide constructive feedback on regular basis for performance improvement

Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner

Regional sales planning Analyze the growth potential, past performance trends and market intelligence for the assigned region and propose sales target to the superior Receive the finalized Annual Operating Plan (AOP) target at the beginning of the year from the superior basis past year s performance, business outlook and vertical s overall growth strategy Cascade the month on month regional targets across the area heads for the various verticals and sales heads based on the vintage and strength of the team, past year performance, expected growth, etc. Devise month wise strategy with the team and analyze key challenges / opportunities; propose steps for leveraging the available resources in the best possible manner to drive the sales targets Analyze, review and communicate the breakdown of overall region s target to the last level in the team Region sales review Set up review mechanism on set frequencies; Monitor sales achievements and key metrics against set targets for region on a daily / weekly / monthly basis Visit the various regional locations, engage with the sales team, understand their challenges / issues and propose effective solutions Analyze reasons for under-performance / high performance, arrest issues causing under performance and identify areas of improvement; Enable sharing of learning across areas within the region Identify and analyze opportunities and guide team to drive sales closure; Provide guidance in addressing difficult / critical aspects of sales closure Evaluate products and their profitability to enable sharper focus on desired product mix for the region; Share insights with the team and superior; Track and drive desired motor vs. non-motor business share Constantly analyze trends and forecast events in case of deviations from planned, if any and share the information with the superior on a timely basis Participate in weekly regional sales reviews with the superior and business head to provide overview of performance of the region; Review deviations, highlight issues impeding performance and seek course correction inputs Stakeholder Management Engage with customers with repeat business / large business potential to retain and grow their business, and support sales team in closure of difficult sales calls; Share new products and features with such customers Coordinate with other internal functions like Claims / Underwriters / Operations for smooth claim processing, seek approvals for exceptions and efficient processing of cases, respectively; Support team by ensuring issues are resolved in an effective manner Seek support from HO teams on MIS, specific data requirements to monitor specific movements such as team wise ratio of motor and non-motor, renewals data, etc. Work with IT team to get technical support for migration to online policy issuance (system queries, training, etc.) Sales Training Lead customer sales meetings along with team to provide ongoing training and ensure development of selling skills Lead training efforts in the region for upskilling of team to better deliver in terms of sales calls, customer management, sales planning, customer service, etc. Impart training to the team on different products and claims perspective; Address doubts and instill confidence to pitch the product to target customers in an effective manner Provide directions in planning and coordination of training efforts led by HR for the region Team Development and Engagement Establish individual performance expectations and evaluation metrics, and regularly review individual performance Share information regarding business and key developments with the team proactively; guide them in utilizing their skills in the best possible manner Understand team grievances and guide for their effective resolution Identify and create development opportunities for team members to enhance functional knowledge

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

1. Growth Development Driving Top Line: Achieving expected sales target on consistent basis. Cascading the channels strategy and key focus areas for the achievement of set goals. Renewal Ratio: Ensuring budgeted renewal ratio to be achieved by continuous follow up. 2. Stakeholder Management Engage with IMDs in the city / region on a regular basis; share business insights, growth plans and new products / schemes in order to showcase organization credentials as well expand IMD network Inform superior on critical issues / concerns involving other verticals; seek support on resolution 3. Sales Planning Devise month wise strategy and weekly breakdown with the team; identify possible risks and derailers in achievement of the same; drive implementation of steps to tackle the challenges in the best possible way 4. Market Study Intelligence Gathering To develop adequate market intelligence to acquire business by establishing, positioning the BAGIC brand and growing the brand Excellent inter-personal skills and person expected to have high degree of credibility in the local market. Digitization: Online policy issuance should be promoted by way of training to IMDs and driving them for doing so. Identification and onboarding new channel partner 5. Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. 6. Business strategy and planning Scan the market across the Banks( PSU, PSU1, Pvt and HDFC) to understand segment growth potential of each banks and its branches Geo region-wise and analyze historical performance, etc. to propose the targets for AOP for Geo Assigning and driving the Bank branch activation across the Region and maintaining the healthy market share across regions

Business planning PL Ownership Identify potential locations in assigned geographical locations recruit right team members to develop business ( IMD recruitment , partner tie-ups ) generated from the location. Design business plan for driving sales and achieving set topline and bottom-line targets for Geo locations being managed Will own the PL of assigned geographies ensure profitability of the business sourced. Provide team members the required support in terms of guidance on business matters/ solutions for challenges faced etc. to ensure that they are equipped to deliver targets while optimizing turnaround time Drive business for the assigned cluster by leveraging on functional run campaigns, incentive plans to ensure team exhibit right behavior to increase number of customers converted in markets managed Intermediary Relationship Management Identify focus areas/ target customer segments for team members / key intermediaries and guide them to maximize revenue generated from identified target segments including cross sell and resolve business issues, if any Analyze performance of team members in various LOB s and enable development of product portfolios for them accordingly to ensure maximization of lead/ revenue generated by each team member. Provide inputs to training team central support team in designing and driving campaigns/ trainings programs for team members to develop their knowledge of specialized products (like cyber and home etc.) and enhance their sales capabilities Design and run engagement/ recognition programs for intermediaries to ensure they are appropriately incentivized and motivated to drive business for BAGIC Manage relationship with key intermediaries , channel partners ( Banca , Motor Dealer ) to understand their requirements, resolve any challenges faced by them and keep them engaged to drive high sales and business Provide input to zone head in design of new products/ revisions required in existing products basis feedback from intermediaries / Channel Partners (based on their market understanding) Industry Understanding Competitive Awareness; Relationship Management; Stakeholder Management;

JOB PURPOSE: Assists in designing overall Analytics strategy to enable business growth and helps in discovering new opportunities through analytics. Using Data Science Machine Learning algorithms claims analysis and fraud/nexus identification for claims optimization and fraud prevention strategy. TP Claim optimization specially in Pay Recovery and fraud identification using AI/ML techniques. PRINCIPAL ACCOUNTABILITIES: Cross Sell- Conduct Multiple experiments/POC for cross sell which help to identify customer need and want on insurance products Propensity model Creation Using Machine learning and AI for providing Next Best Product to customer Analyzed Vertical wise customer behavior to understand best time to pitch next best product Communicate with respective stakeholders on cross sell strategy and planning Customer Loyalty Defined Customer loyalty with available data, identify best parameters which define loyalty of customers Score customers using ML/AI models based on their purchase behavior and categorized them on different loyalty bucket Regular Discussion with the segmentation committee comprising of representative from BAGIC and Group is in progress to refine the segmentation. Discussion with IT team to Auto stamping of Loyalty in system Geo expansion analytics Design/Ideation of business expansion strategy leveraging data science driven models for new and existing verticals across national/local levels and refer for approvals / signoff from NHOD and finance. Plan design communication plan for all the campaigns. Geographical and Vertical wise categorization of Locations and pin codes mapped against each of these locations using machine learning techniques. IIB health data analysis to identify BAGIC low penetrated locations where competitors are doing profitable and good business - opportunity identification Claims Analytics Management -All Channels/LOB Create the framework for claims optimization leveraging data science technique at all levels -Customer entity and distribution Work jointly with ILM, Legal team to find fraud and nexus with the help of data. Closely work with Claims team on OD-STP engine creation and optimization along with other LRP projects. Entity Optimization (Repairer Anomaly Detection)- Identify the anomalous behavior of Repairer Entities with respect to a benchmark of its peers. Customer level data Enrichment Internal and External data (Group, Prospect, Bureau) sources identification and utilization to create opportunity on organization level to enrich Customer level information Strategic and functional planning Assists in evaluating short-term and long-term business challenges/ requirements to ascertain if the same can be resolved using analytics. Uses analytics to understand the organizations advantages and sharing the same with key stakeholders. Sensitizes the relevant stakeholders on the strengths of adopting analytics for the business such as higher process efficiency, better decision making, reduction in risk, etc. Analytics Management Performs predictive modelling including data extraction using R / SAS/ Python tools . Shares the inputs from the same with key stakeholders. Assists in monitoring business, identifying issues if any and communicating the same to the potential users of the data. Performs end to end predictive modelling for all data points, including vetting the data, identifying outliers, understanding data points which are missing, and creating features based on the same for the best use of the business. Performs renewal studies for all lines of business and sharing insights with the various stakeholders. Assists in institutionalizing analytic learnings across businesses and processes. Understands the business demands and undertake initiatives to cater to the same. Study and analyze previous year s data points for fraud detection with the ability to decipher trends / patterns from the same to understand the relevant trends and share the same with the stakeholders. Team development Participate in recruitment process to identify the right talent within the function Establish individual performance expectations and regularly review individual performance of the team. Identify and create development opportunities for team members to enhance functional knowledge Strategic Partner Management Identify and Create Capabilities leveraging FinTech and InsuTech Partners ecosystem. Create data science utilities to be used by internal team leveraging Analytics Vendors SKILLS AND KNOWLEDGE: Educational Qualifications Qualifications M.Tech / MBA (Analytics), M.Sc. Statistics/Economics, Ph.D in Statistics/Economics or equivalents Work Experience 7-10 Years of Relevant Work Experience Technical Skills Have implemented at least 3 predictive/ machine learning models end to end Machine learning/ AI experience (3+ Years)

PRINCIPAL ACCOUNTABILITIES: Responsible for the review of new contract bonds for completion in accordance with Surety policies.Analyze new account submissions for assigned territories.Approve bonds within the limit of authority for this position.Oversee and manage the fiscal status of accounts. Perform analysis on annual accounting audits and internal financial statements. Review and be familiar with relevant credit information.Maintain current documentation and credit information files in accordance with the BAGIC Procedure Manual for Contract Surety.Maintain a strong knowledge of construction industry trends, market conditions, and current challenges and opportunitiesDevelop Partnerships with Banks to sell Surety Bonds in partnership: Approach BAGIC Bank partners and to form partnership with them.Actively participate in underwriting and sales meetings and support management in the identification and launch of new programs and initiativesAnalyze financial statements and secure appropriate underwriting information to evaluate credit risk and determine risk acceptability. Negotiate terms and conditions on complex bonds and accounts. Lead/participate in virtual and/or in-person meetings to facilitate the exchange of underwriting and project information.Actively participate in construction and surety industry functions, forums, and events.Assures development and implementation of policies, procedures, and standards to produce profitable underwriting results significantly contributing to process improvement and technology innovatioDeveloping, administering, and monitoring complex underwriting rules and guidelines SKILLS AND KNOWLEDGE: 7-8 years of ExperienceMinimum of 2-3 years of Engineering or Bank Guarantee UWPreferred Experience: Rating Agencies/Banks (Working Capital Underwriting)High level of integrity, confidentiality, and accountability.Strong competency in quantitative and project analysis.Effective written and verbal communication skills.Strong marketing skills and ability to obtain new business and work with contractor clients.

Oversee underwriting processes to ensure alignment with technical standards and guidelines for risk assessment and pricing. Lead actuarial and analytical teams in product pricing, portfolio analysis, and risk mitigation strategies. Manage underwriting and portfolio development for PMFBY, Parametric and other agribusiness lines, driving compliance with underwriting and reinsurance guidelines. Ensure the achievement of business targets through the creation of a sustainable and profitable agribusiness portfolio. Collaborate with the Reinsurance (RI) team to ensure compliance with RI arrangements, support technical presentations to reinsurers, and help secure optimal terms. Develop monitoring frameworks and dashboards for ongoing portfolio performance tracking and reporting to Head of Agriculture and other key stakeholders. Innovation and Technology Leverage advanced technologies for crop monitoring, loss assessment, and pricing optimization. Drive the adoption of digital tools and analytics to improve operational efficiency and customer insights. Lead the Govt initiatives and projects related to underwriting and portfolio monitoring Compliance and Governance Ensure strict adherence to regulatory requirements and industry standards. Maintain strong relationships with regulatory authorities to facilitate compliance and reporting. Implement robust risk management frameworks to support portfolio sustainability and growth. Other Responsibilities Contribute to cross-functional organizational projects and initiatives as assigned. Team Management and Coaching Participate in selection process to identify the right talent for positions within the team Determine individual training needs and development plans to build expertise and enhance skills in the team Set objectives, conduct reviews and close appraisal processes for the team as per timelines