Feb 2021 – Apr 2024 · 3 yrs 2 mos · India · On-site

• Scaled a new vertical from launch to ₹148 Cr GWP in 3 years — ₹35 Cr in Year 1, ₹96 Cr in Year 2 (+174%), and ₹148 Cr in Year 3 (+54%).
• Built and led a 50+ member sales and distribution team across channels and zones.
• Owned P&L with 2% Net Revenue margin through disciplined cost control.
• Designed and executed annual Budgeting, Planning & Forecasting with consistent overachievement.
• Optimized channel and zone structures (SH/AM/RM) to accelerate business growth.
• Balanced LOB portfolio across Motor, Health and Life, strengthening profitability mix.
• Created new revenue streams via BCBF and CSE Centres; contributed 20% of vertical growth.
• Co-developed niche insurance products with insurers; boosted CSE partner sales by 25%.
• Coordinated with internal and external stakeholders to launch B2B front-end system; reduced turnaround time by 30%.

Nov 2018 – Feb 2021 · 2 yrs 3 mos · New Delhi Area, India · On-site

• Scaled Agency business to ₹96 Cr GWP annually from the Zone.
• Achieved budgeted targets consistently across fiscal years.
• Built Agency vertical from inception to ₹96 Cr GWP, driving sustainable growth.
• Conducted deep data analysis, mining and sharing with intermediaries; enabled targeted follow-up plans and improved conversions.
• Monitored LR and COR continuously, ensuring alignment with budgeted profitability requirements.
• Acquired new distribution channels, expanding business mix and incremental revenue streams.
• Partnered with support functions to strengthen customer retention and improve renewal ratios.
• Built strong relationships with Auto Manufacturers and NTU Brokers to drive business inflows.
• Recruited, developed and managed manpower with clear role accountability.
• Identified strategic branch locations; coordinated stakeholders to deliver on annual expansion plan.
• Conducted competitor analysis and tracked market trends to protect margins and ensure profitability.

Oct 2008 – Nov 2018 · 10 yrs 1 mo · Gurgaon, India · On-site

• Led multi-region operations (Chandigarh, Punjab, South, North & East) and managed ₹375 Cr GWP annually.
• Planned and executed business strategies to drive distribution through intermediaries across multiple regions.
• Built and scaled effective distribution channels, starting from North and expanding nationwide.
• Achieved consistent new acquisition of channel partners, adding incremental revenue and strengthening portfolio mix.
• Managed strong business relationships with channel partners, ensuring preferred business flow.
• Delivered organizational customer retention rate of 58% through focused strategies.
• Achieved line-wise budgets and maintained desired product mix in preferred business segments.
• Partnered with Underwriting and Product Management to design and implement customer retention initiatives.
• Recruited, developed and managed manpower in collaboration with HR; ensured role clarity and accountability.

Sep 2005 – Oct 2008 · 3 yrs 1 mo · India · On-site

• Joined as Channel Manager for a new location (Jalandhar, Punjab). Developed the region for the vertical. Elevated to Branch Manager during restructuring to drive each branch as a profit centre with multi-vertical teams reporting in.
• Delivered budgeted business of ₹128 Cr from the assigned area.
• Achieved product-wise targets with deeper penetration across multiple lines.
• Built strong relationships with channel partners, SMEs, key accounts, and bancassurance partners.
• Recruited, trained and managed a high-performing team of Sales Managers, Unit Managers and Sales Trainees.
• Motivated and coached teams to deliver consistent growth and meet branch-level objectives.
• Oversaw branch audit functions, ensuring compliance and operational excellence.

Aug 2004 – Sep 2005 · 1 yr 1 mo · Punjab, India · On-site

• Appointed dealers and distributors, organized Kissan Melas to create awareness and built trust through after-sales service for existing customers.
• Achieved product sales targets consistently across rural regions.
• Recruited, trained, and managed a high-performing sales team.
• Developed and managed dealers and distributors to expand market reach.
• Acquired new channels, driving incremental business growth.
• Managed intermediaries’ commercials to ensure profitability and compliance.

Apr 2000 – Jul 2004 · 4 yrs 3 mos · New Delhi & Madhya Pradesh · On-site

• Handled Power Products in Delhi and later Agri Products in Madhya Pradesh, including diesel engines, pumpsets, power generation equipment.
• Managed growth through dealer and distributor networks.
• Achieved product sales targets consistently across multiple regions.
• Built, managed, and optimized effective channels of distribution to maximize market reach.
• Developed and maintained strong relationships with dealers and distributors to ensure loyalty and business continuity.
• Coordinated supply chain and resolved distribution issues to maintain seamless product availability.
• Developed and executed regional business plans for Power and Agri products.
• Drove new channel acquisition and expansion in key territories.
• Ensured excellent after-sales service and customer satisfaction across all product lines.