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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. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
INR 1.78 Lakh CrFind customised home loan solutions for your unique needs
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Aditya Birla Capital Limited
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. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Active Customer Base
39 Million
Consolidated Lending Book
INR 1.78 Lakh CrCorporate 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
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
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Calculate the Life Insurance cover you need to secure your family’s future
Life Insurance
Health Insurance
Home Finance
Personal Finance
About the Health Insurance Industry –
The Indian health insurance industry has emerged as one of the fastest-growing segments within the broader insurance ecosystem, driven by rising healthcare costs, increasing disease burden, and a growing awareness of financial protection. Since liberalisation in 2000, the sector has expanded significantly, with 30+ insurers (including standalone health insurers, general insurers, and life insurers) now offering health-related products. The pandemic further accelerated adoption, highlighting the need for comprehensive health coverage and preventive care. The industry’s gross written premium (GWP) crossed ?90,000 crore in FY 2024, accounting for over 35 % of the total non-life insurance market. Regulatory focus by IRDAI on improving product standardisation (e.g., Arogya Sanjeevani), claim transparency, and digital interoperability (through NHCX and Ayushman Bharat Digital Mission) has also enhanced consumer trust and industry maturity.
The sector is now shifting from a “pay for illness” model to a “care for wellness” paradigm, integrating preventive health management, digital health ecosystems, and real-time claim settlement platforms. New-age insurers and insurtechs are leveraging AI, data analytics, and machine learning to streamline underwriting, detect fraud, and personalise customer journeys. Distribution has diversified beyond traditional agents and bancassurance to digital marketplaces and embedded insurance models. With penetration still under 5 % of GDP and significant out-of-pocket expenditure (~50 % of total healthcare spend), the long-term growth potential remains immense. Going forward, the industry will be defined by innovation, affordability, interoperability, and wellness-centric solutions that make health protection more inclusive, efficient, and value-driven. About the Aditya Birla Health Insurance –
Founded in 2015 and commencing operations in October 2016, ABHI is a joint venture between Aditya Birla Capital Ltd. (ABCL) and South Africa’s Momentum Metropolitan Holdings Ltd (formerly MMI Strategic Investments). Over the years it has rapidly grown its footprint: covering 22 million+ lives, operating across 5,000+ cities, partnering with 20+ bancassurance alliances and engaging 140,000+ direct selling agents.
ABHI adopts a distinctive “Health First” business model — shifting from the traditional “buy and forget” mindset to one of “buy and engage.” The company’s mission is to proactively help customers build healthier lives by combining insurance protection with wellness programmes, incentivised behaviour (e.g., through the Activ Health suite), and digital experience. The core values emphasise trust, customer-centricity, innovation, and delivering value through prevention and healthy living.
ABHI has made tangible impact in the Indian health-insurance market:
* Expanded distribution capabilities via branches, digital partners, agency network and bancassurance, enabling deeper reach into both urban and semi-urban segments. * Established a wellness ecosystem (with products like Activ Health and campaigns like #JumpForHealth) that supports chronic-care management and rewards healthy behaviour. * Attracted significant investor interest: for example, a ?655 crore investment by Abu Dhabi Investment Authority (ADIA) for ~10 % stake anchored ABHI’s valuation at ~?6,650 crore, recognising its differentiated model and growth potential.
ABHI’s purpose centres on making health-insurance meaningful: not just covering hospital bills, but enabling healthier lives, reducing disease burden, and building long-term wellness habits. Its vision is to become India’s most desired and innovative health-insurer, delivering protection with a purpose. Through technology, data-driven insights, and digital platforms, the insurer aims to simplify access, speed up claim lifecycle, connect with customers seamlessly and provide value beyond conventional coverage.
In conclusion, ABHI stands out as a modern health-insurer with strong backing, ambitious growth, a wellness-centric philosophy and technology-enabled operations. Its differentiated business model — combining protection, prevention and engagement — positions it to capture rising demand in India’s health-insurance segment, while delivering value to customers, partners and stakeholders alike.
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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* |
1. Signature Club Governance & Execution
| • Drive end-to-end execution of Signature Club program |
2. Advisor Activation & Productivity of Premier advisors | • Track productivity (GWP, case size, repeat business) |
3. Elevation & Growth (Club Movement) | • Build pipeline for Silver → Gold → CEO movement |
4. Advisor Engagement & Experience (NPS) | • Own end-to-end advisor engagement journey |
5. Data Analytics & Insights
| • Generate actionable insights for leadership |
6. Stakeholder Governance & Alignment | • Partner with Sales, Product, Ops, Claims, Marketing |
7. Business process reengineering | Reengineer back end processes which will impact agents experience |
3 - 7 years
Master of Management