About the role

Zonal Head – Health Insurance

Reporting To:

Senior Zonal Head

Role Purpose

The Zonal Head is a senior leadership role responsible for driving business growth, profitability, distribution expansion, and operational excellence across an assigned zone. The role oversees multiple regions, clusters, and branches, ensuring achievement of sales targets, market share growth, customer satisfaction, and adherence to regulatory and company guidelines. The incumbent will lead a large sales organization and build strategic partnerships to accelerate business growth.

Key Responsibilities

Business Growth & Sales Leadership

Develop and execute zonal business strategies to achieve and exceed sales, revenue, and profitability targets.
Drive growth across health insurance products through agency, partner, and direct distribution channels.
Monitor zonal performance through regular reviews and implement corrective action plans to address gaps.
Identify new business opportunities, emerging markets, and strategic partnerships to expand market presence.
Ensure achievement of key business KPIs including premium, productivity, persistency, and activation metrics.

Distribution & Channel Management

Build and strengthen relationships with key channel partners, corporate partners, brokers, and strategic alliances.
Drive expansion of distribution footprint across the zone.
Ensure optimal productivity and engagement of agents, advisors, branch teams, and partner organizations.
Lead initiatives for recruitment and activation of high-performing distribution partners.

People Leadership

Lead, coach, and mentor Regional Managers, Cluster Heads, Branch Managers, and sales teams.
Establish a high-performance culture through regular performance reviews and capability development.
Drive talent acquisition, succession planning, and leadership development across the zone.
Foster collaboration and alignment across sales, operations, underwriting, and support functions.

Operational Excellence & Governance

Ensure effective execution of sales processes, operational controls, and service standards.
Drive operational efficiency and cost optimization initiatives across the zone.
Ensure adherence to IRDAI regulations, compliance requirements, and company policies.
Identify business risks and implement mitigation strategies to safeguard organizational interests.

Customer & Market Management

Enhance customer experience and retention through superior service delivery.
Analyze market trends, competitor activities, and customer insights to develop growth strategies.
Act as the escalation point for key customer and partner issues.
Strengthen brand visibility and market positioning within the zone.

Qualifications & Experience

Bachelor's Degree in Business Administration, Finance, Insurance, Marketing, or related field.
MBA or equivalent postgraduate qualification preferred.
12 - 15+ years of experience in Insurance, Financial Services, or Banking, with significant leadership exposure.
Proven experience managing large geographic territories and leading multi-layer sales organizations.
Strong understanding of Health, Life, and General Insurance products and distribution models.
Demonstrated track record of exceeding sales and profitability targets.

Key Skills & Competencies

Strategic Sales Planning
P&L Management
Zonal Business Leadership
Distribution Channel Development
Relationship Management
Team Building & Leadership
Sales Forecasting & Analytics
Regulatory Compliance
Negotiation & Influencing Skills
Customer Retention & Engagement
Business Expansion & Market Development
Stakeholder Management
Change Management
Operational Excellence

What We Offer

Competitive Compensation & Leadership Incentives
High-Growth Career Opportunities
Executive Leadership Development Programs
Opportunity to Build and Scale a Regional Business
Recognition as a Key Member of the Senior Leadership Team

This document is confidential and intended for internal use only.