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Visit Our ABCD PageAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,482No. of Employees
59,000Agents/Channel Partners
2,00,000+Aggregate Assets
INR 3,550 BillionActive Customer Base
39 MillionConsolidated Lending Book
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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,482No. of Employees
59,000Agents/Channel Partners
2,00,000+Aggregate Assets
INR 3,550 BillionActive Customer Base
39 MillionConsolidated Lending Book
INR 699 BillionCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
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Investments and their jargon - simplified
Know all about loans and their management
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Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD |
Business | Health Insurance | ||
Unit | Aditya Birla Health Insurance Company Ltd | ||
Location | Mumbai | ||
Poornata Position Number of the job |
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Poornata Position Title of the job | ASM - Group | Reports to: Poornata Position Title | Zonal Manager – Group |
Function | Sales – Group, Social & Rural | Reports to: Function | Sales |
Department | Sales – Group, Social & Rural | Reports to: Department | Sales |
Designation of the Employee | Cluster Manager - Group | Designation of the Manager | Zonal Manager - Group |
Date of writing/updation of JD | August 2017 |
1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) |
Managing groups sales activity in a designated market via various channels including but not restricted to Brokers, agents, direct, etc and ensuring / exceeding the business plan. |
2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
iness Workforce Number |
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Overall Topline (GWP) |
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Claims ratio (Shared) |
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3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section |
About the Health Insurance Industry –
While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them.
Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company.
About the Aditya Birla Health Insurance –
Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016. ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of “Health Insurance for All”, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless. ABHI’s unique offering to market includes proposition includes -
Key Challenges for the role –
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4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) | |
Key Result Areas | Supporting Actions |
Driving sales via Various channels for group sales |
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Maintaining Pipeline |
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Partner engagement |
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P & L |
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Renewal persistency |
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5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) |
FLS – Creditor Business: To ensure sales target achievement in the given territory and with the given partner/s. Effectively Liaison both internally and externally to achieve the desired results. |
4 - 8 years
Graduate Diploma