Cluster Manager - HDFC BB | Amritsar

Role summary

This position focuses on generating insurance business through an assigned relationship or channel partner in a defined area or zone. The role requires influencing the relationship partner so they can recommend Birla Sun Life Insurance solutions to their customers. It also involves delivering pre-sales and post-sales assistance to both the channel partner and customers, coordinating with the dedicated team attached to the relationship, and ensuring steady quarter-on-quarter business growth while meeting targets.

Job context and key challenges

The business environment includes a few important challenges. Since the company primarily sells unit-linked policies, market fluctuations can directly affect performance. The role also depends heavily on the HDFC branch banking model in an open architecture setup, where bank branches may have competing priorities, making alignment crucial. In addition, the position requires balancing internal process compliance with the expectations of channel partners.

Key responsibilities

• Deliver premium and revenue targets to support overall company growth.
• Maintain regular engagement with channel partners, including multiple branch heads of the bank.
• Map all key decision-makers and share the relevant information with RH/ZH stakeholders.
• Drive organizational recognition and reward activities actively.
• Develop creative branch-level activities to improve customer penetration.
• Ensure sales and operational processes run smoothly to maximize business potential.
• Communicate process updates, rule changes, and regulatory changes through suitable training modules.
• Make sure sales calls, policy issuance, and complaint handling happen without disruption.
• Manage the open-architecture relationship to serve bank customers with appropriate products and service quality.
• Build strong knowledge of insurance products as well as bank products.
• Handle relationship management across all levels to achieve the desired outcomes.
• Identify opportunities within the allocated area or relationship to improve productivity and top-line growth.
• Find innovative ways to expand database penetration in partnership with the channel.
• Monitor FLS review outcomes with a focus on 40% activation, 2 cases per active, and 50K ATS.
• Maintain the required product mix of Traditional 50%, ULIP 40%, and Term 10%.
• Target 15% more business than TATA.
• Share inputs for new products and sales pitches based on a strong understanding of channel needs.
• Identify training requirements for both internal teams and channel partner teams.
• Review business regularly and escalate relevant information to seniors.
• Interact with customers through welcome calls.
• Resolve customer queries promptly to support timely renewals and persistency norms.

Requirements

• Strong capability to derive insurance business through bank branches and relationship channels.
• Ability to influence and align multiple stakeholders, including bank branch heads and decision-makers.
• Good understanding of insurance offerings, bank products, and the open-architecture distribution model.
• Comfort working in a process-driven environment while managing partner expectations.
• Experience handling sales support, service coordination, complaint resolution, and renewal follow-up.
• Skill in identifying business opportunities, improving penetration, and driving product mix goals.
• Ability to assess training needs and support capability building for teams.
• Willingness to work onsite in Amritsar, Punjab.

Additional information

This role is full-time and based onsite in Punjab, India. The position is focused on sustained business generation, customer servicing, branch engagement, and persistency management. No stipend or fixed salary details were provided in the source.