99 Jobs in Kumardungi

Sales planning Understand Central and State schemes - objectives, budgets, target population etc. Build relationships with stakeholders. Regularly interact and follow up with government officials to try and influence the tendering process to align RFP requirements with the organization’s proposal. Service any kind of data requirement and share it with Head Office. Share all available data with the Underwriting team. Respond to any further clarifications and data needed for the tender. Monitor data for own region with respect to crop production – from Gram Panchayat to District Level. Support supervisor on any data needed to help make Targets. Support team with data on weather, historical yields, crop-wise sum insured, areas sown etc. for tender creation Business implementation Responsible for smooth implementation of scheme for which the tender is won in own region Meet key district level officials like District Collector, Deputy Director - Agriculture, LDM etc along with supervisor to initiate the enrollment process. Work with Banks to ensure reconciliation of premium; track and do receipting. Work with Operations team to ensure issuance of policies. Prepare reports for each area and insurance unit. Conduct workshops for government officials, key farmers etc to drive awareness. Send notifications and create awareness with concerned Regional branches, NABD on crop insurance Attend Crop Cutting Experiments along with Government officials. Participate and observe the experiments for final loss calculations. Implement the marketing strategy of zone in own region as per requirements Ensure that crop cutting is happening as per the revenue model Ensure enrollment of farmers by getting them to go to banks or relevant government agencies to submit fees and documents. Ensure payment of claims after reconciling the government subsidies, where applicable. For escalated situations, visit the impacted areas personally and resolve issues. Manage and resolve any escalations from farmers during the loss calculation and claims processing process. Handle queries, including demonstrations etc. Ensure that the situations are handled without any negative publicity. Handle the end to end business booking process for own region Ensure liaison with local administration in order to smoothen the claims monitoring Engage with district officials for dispute resolution Data Analysis and Management Monitor and track data on premium collection and farmer enrolment as per cut off dates Ensure correct entry of data on government portal e.g. as per Pradhan Matri Bima Yojana Conducting data analysis on Crop health from time to time Maintain map data at village, lokpal etc their contact data for any requirements Keeping a check on loss ratios for own region Team Management and Coaching Participate in selection process to identify the right talent for positions within the team Determine individual training needs and development plans to build expertise and enhance skills in the team Set objectives, conduct reviews and close appraisal processes for the team as per timelines

Geo expansion analytics Design/Ideation of business expansion strategy leveraging data science driven models for new and existing verticals across national/local levels and refer for approvals / signoff from NHOD and finance. Plan & design communication plan for all the campaigns. Geographical and Vertical wise categorization of Locations and pin codes mapped against each of these locations using machine learning techniques. IIB health data analysis to identify BAGIC low penetrated locations where competitors are doing profitable and good business – opportunity identification Health Claims Optimization Identify claims benchmarking opportunities leveraging entity and claims level savings through data science Plan frequency of reports, consumer of reports & formats of report. Review the reports for veracity randomly & suggest corrections for deviations. Comprehend customize report requirement by stakeholders (NHOD, zonal heads, vertical heads). Align team members to understand the requirement & review the reports / dashboards before it gets published with targeted stakeholder. Customer Segmentation Identify business requirements to leverage multiple sources of data to classify customer base into logical segments. Handle data discrepancies, outlier analysis, intra-extrapolation keeping business understanding in parallel. Use multiple data analytics and ML techniques to create one or more segmentation models using identified features, understand their customer persona and synchronize the finding with multiple business teams. Design targeted business use cases to cater to different online/offline channels as well as monitor the percentage improvement and growth, as measurement of model efficiency. Customer loyalty Analytics Leveraging customer loyalty buckets to identify potential business applications and work closely with multiple channels to discuss opportunity sizing for multiple campaigns. Analysis of CLI buckets with respect to varying customer KPIs to determine correlations, such as claim ratios, renewal ratios, purchase propensity etc. AOP / Budgeting & Shareholder Review Presentation Provide data support to NHOD for Budgeting / share holder reviews. Assist NHOD in analyzing data points to be incorporated in AOP/Budgeting & share holder review presentations. Data Science Support Model development and data science support to support additional business opportunities.

Process Specialist ﾷ Analyzing and Documenting current Business Processes along with suggesting Business Process improvements ﾷ Identifying opportunities for Automating manual processes through RPA/API service ﾷ Evaluate / design /execute and monitor business processes ﾷ Performing GAP analysis, Impact analysis and RCA ﾷ Document existing processes, manage and analyze data, and recommend enhanced business processes ﾷ Identify & benchmark best practices across OEM’s & competition & influence OEM’s to adopt to best practices. ﾷ Define success metrics for each new system or process and establishes a plan to track, monitor and measure the success of those metrics. ﾷ Monitoring, measuring and providing feedback on process performance ﾷ Researching and documenting an analysis of alternatives ﾷ Lead and support development of key aspects of the continuous improvement process cycle - Program approach, methods and tools. ﾷ Oversee and deploy continual improvement within various practice areas and business units to enable attainment of specified business objectives. ﾷ Improve efficiency, effectiveness and tangible financial benefit in operationally complex business environment. Stakeholder Management & Communication ﾷ Collaborate with different Verticals, Operations & IT teams and drive synergy for process improvement. ﾷ Engage with Business Vendors as and when required, for effective deployment, defect testing and ensure timely roll out of mistake-proof processes. ﾷ Collaborate with business heads to understand process / system gaps & propose solutions ﾷ Leading process redesign workshops ﾷ Facilitating process workshops that involve eliciting process requirements and liaising with users ﾷ Educating business users responsible for managing and operating business processes, ensuring the proposed solutions are adapted. ﾷ Partner with technology experts (internal and external as needed) to align processes and systems Business Intelligence ﾷ Identify and define data assets that relate to Retail functions. ﾷ Includes reporting, online analytical processing, analytics, dashboard development, process mining, complex event processing, business performance management and benchmarking. ﾷ Analyzing data to identify areas where Retail Function can improve. Gathering and analyzing data to provide solutions to potential business obstacles. ﾷ Developing policies and procedures for the collection and analysis of data.

Execution Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines. Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process & track such requests in coordination with internal ops team ; Ensure ease of process & approvals for partners by coordinating with internal Ops team Service Orientation Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability & viability assessment of partnership New Acquisition Banking Partners Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers & driving sales closure for the same. Identify cross sell opportunities for existing customers Relationship Management Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through R&R activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography

Cattle Insurance Claims Management (Any Project done in National Dairy Development Board (NDDB) will be preferred) V Show

Commissions Management Updating the commissions structure and grid in coordination with the underwriting and actuarial team along with updating policy wise rates, Monitoring IRDA commissions by overseeing the payments being made to the intermediaries and brokers as per the IRDA compliance, Review MIS and data for IRDA purposes which is put together by the team on a monthly and quarterly basis, Preparation of Yearly report to be filed with the IRDA along with sharing certification to corporate agents with a summary of how much business is done with them and amount of commission paid, Attends to any escalations or complex queries that arise from agents or internal stakeholder with respect to commissions Campaigns and Incentives Management Design campaigns along with Channels Heads/Vertical Heads, recommend changes if needed Collaborating with business for designing the incentive schemes of various channels from the perspective of alignment to business objectives and budget, etc Overseeing the campaign details and suggesting on the amount that can be looked at for the proposal, Performing an analysis of all the campaigns run for IMDs and the sharing reports with the respective stakeholders on payouts and benefits, Reviewing the payouts for the campaigns for IMDs and approving the same, Checking incentive payout details calculations and if the same is within the terms set by the scheme and getting the same reviewed by HR, Automation and process improvement Driving automation and process improvements for smooth commission and incentive payouts, Catering to internal and statutory auditors along with service tax auditor and IRDA auditors, Team Development Participates in monthly and quarterly reviews with function head and own team Participates in selection process to identify right talent for various positions within the team Identifies and creates development opportunities and helps in enhancing domain knowledge for team members Establishes individual performance expectations for the team and regularly review performance Show

Sourcing and Selection for Sales-force Implementation of sourcing strategy across various sales channels. Utilize various avenues of recruitment by using regular sourcing and maintain the mix as per the organization standards Basis market mapping of talent pool, regular dip checks on selection cases and suggesting improvement if required. Assessing the candidature in line with the internal and market compensation structure, role requirement and org structure. Responsible for end to end closure of mandates from sourcing till joining, including internal and external stakeholder management collaborating with the business partnering team for timely closure of the position and helping with any additional information regarding the candidate. Having sound knowledge on the talent market of the region and optimum utilization of internal/ external references for identifying and onboarding right talent along with building a productive talent pool for the mentioned skill set. Collaborating with various internal stakeholders on understanding must have & good to have skills & experience for the said mandate and regularly sharing an updated report of traction on the mentioned mandate. Ensure quality hire Ensure TAT adherence System Usage Responsible for capturing correct source of hiring on internal recruitment portal (Talport) Facilitate the assessment and analyze the report to make structured inferences which will help in effective selection. Maintain detailed feedback capturing mechanism to ensure structured feedback is captured in the system. Drive adoption of the recruitment platform across with the regional heads Regularly assessing the talent pool created by candidate applications to ensure relevance of the pool for the future Stakeholder Management Interact with region heads to understand business priorities and talent needs and to share inputs around talent pool availability and making them aware of challenges if any. Discuss market constraints on real time and seasonality of hiring with the stakeholders and device a mid-path to ensure right fit for the position Collaborating with the internal HR Team for timely onboarding, documentation checks, and offer generation status Ensure excellent hiring experience for the candidates right from selection process

PRINCIPAL ACCOUNTABILITIES Analytics Management Strong desire to grow a career as Data Scientist by doing analysis and machine learning modeling on terabytes of diverse datasets Strong knowledge in programming to extract data from different databases via SQL or other query language and applying data cleansing, outlier detection/identification and missing data techniques. Initial data investigation and exploratory data analysis Analyze large amount of data information to discover trends and patterns Building and deploying analytics solutions Work with cross functional team tea to drive analytics tools, process, and program Ability to search market or product specific SKUs and device specific information methodically from a range of publicly available sources Meeting regular deadlines while achieving overall team goals and objective Individual contributor on data science team Strong verbal and written communication skills AOP / Budgeting & Shareholder Review Presentation Provide data support to NHOD for Budgeting / share holder reviews. Assist NHOD in analyzing data points to be incorporated in AOP/Budgeting & share holder review presentations. Data Science Support Model development and data science support to support additional business opportunities.

Strong analytical and reporting skills Proficiency in MIS tools and dashboards Experience in motor claims or dealer operations (preferred) Ability to collaborate across teams and support decision-making

Execution Support partners to register claims on behalf of customers, coordinate to ensure approvals within agreed timelines. Engage with cross functional teams to ensure seamless execution of work across channels and deliver desired productivity including everyday servicing and policy issuance etc. Gather relevant documents from customer post sales and submit the same to operations team; gather additional data/documents as required Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process & track such requests in coordination with internal ops team ; Ensure ease of process & approvals for partners by coordinating with internal Ops team Service Orientation Schedule meetings with prospective banking clients and brief them about BAGIC products/ offer them lucrative products in coordination with the Vertical Head Gather market information of potential partner, analyze partners profile and customer mix to identify best product fitment from BAGIC portfolio, assess profitability & viability assessment of partnership New Acquisition Banking Partners Drive the campaign/contest for the Partner Bank to drive sales in profitable segments. Assist banking partners in pitching product to crucial customers & driving sales closure for the same. Identify cross sell opportunities for existing customers Relationship Management Analyze the customer segmentation, sales trends in terms of demographics, geography, characteristics etc. to assess the potential for business Conduct trainings at the branch for all banking partners around regulatory guidelines and products. Plan for activation of branches through R&R activities to increase the penetration in active branches to realize full potential of the bank partner in the given geography

PRINCIPAL ACCOUNTABILITIES (List the accountabilities associated with the job.) Financial Statement Preparation: Preparing accurate and timely financial statements, including balance sheets, income statements, and cash flow statements. Financial Data Analysis: Analyzing financial data to identify trends, assess performance, and make recommendations. Account Reconciliation: Reconciling financial accounts, including Balance sheet accounts like accounts receivable, and accounts payable. Compliance: Ensuring compliance with accounting standards (GAAP, IFRS), and regulatory requirements. Streamlined process related to financial statements, compliance reporting, & Technical accounting which resulted in time saving, risk minimization & accuracy Reporting: Preparing reports and presentations for management, investors, and other stakeholders. Audit Support: Providing support and documentation for internal and external audits. Communication: Effectively communicating financial information to various stakeholders. Evaluation of accounting treatment as per Regulations, Accounting standards, IFRS 17 and policies Working along with the knowledge partner for automation projects

Strategic Sales Leadership & Team Development ﾷ Lead and mentor a high-performing team of experienced sales professionals through coaching, performance monitoring, and targeted skill development initiatives ﾷ Establish clear performance expectations and KPIs for team members while providing regular feedback and guidance ﾷ Implement effective sales strategies and methodologies to optimize team performance and ensure consistent achievement of targets ﾷ Create and maintain a positive, collaborative team culture that promotes excellence and continuous improvement Revenue Generation & Target Achievement ﾷ Drive revenue growth by developing and executing comprehensive sales strategies aligned with organizational objectives ﾷ Monitor and analyze sales performance metrics, taking corrective actions when necessary to ensure target achievement ﾷ Identify and capitalize on market opportunities to expand the customer base and increase market share ﾷ Establish and maintain strong relationships with key stakeholders to facilitate business growth and retention Customer Relationship Management & Service Excellence ﾷ Oversee the development and maintenance of strong, long-term relationships with existing customers through regular engagement and proactive service delivery ﾷ Implement customer satisfaction initiatives and feedback mechanisms to ensure high levels of client retention ﾷ Resolve complex customer issues and complaints, ensuring optimal customer satisfaction and loyalty ﾷ Develop and maintain relationships with healthcare providers and other strategic partners to enhance service delivery Market Development & Business Growth ﾷ Identify and pursue new business opportunities within the assigned territory through market analysis and strategic planning ﾷ Develop and implement territory-specific growth strategies based on market research and competitive analysis ﾷ Create and maintain a robust pipeline of prospective customers through various lead generation activities ﾷ Collaborate with marketing teams to develop and execute targeted campaigns for market penetration and growth Business Planning & Operational Excellence ﾷ Develop and implement comprehensive business plans to achieve territory growth objectives ﾷ Ensure compliance with company policies, regulatory requirements, and industry standards ﾷ Prepare and present regular performance reports to senior management, including market analysis and growth projections ﾷ Optimize operational processes and procedures to improve efficiency and effectiveness of sales operations

1- Business expansion strategy leveraging enriched data of locations to identify profitable locations 2- Optimize health claims through optimizing on claims process leveraging data and analytics 3- NPS improvement using customer loyalty program as well as claims settlement data and analytics 4- Identification of fraud/nexus using claims optimization and fraud prevention strategy

IT Support to Business Team Team Member will be responsible to provide Production Support to 5 Vertical of Motor Dealer Channel – MIDS – Other NTU- TW – CV-Affinity and EW Mapped to Other NTU,75 OEM Technical Support - Provide first-level support for software, and network issue Troubleshooting -Respond to user queries and resolve technical problems efficiently Mentorship: Providing guidance and support to pan India subchannel team members, helping them to understand various platform of Policy issuance and process. Application -Addressing system errors, login issues, and application crashes Incident management - Troubleshooting production issues for Dealers, IMDs, and Brokers Coordinating - Coordinating with backend teams for bug fixes and escalations Maintaining System Availability and Stability –IT Digital Assets Accessible to OEM/Partner Managing System Stability of all IT digital assets accessible to OEM/Partner with more than 5 lakhs of unique Transection happening monthly need to monitor that systems are up and running. Monitoring network performance- Continuous monitoring of network performance is essential to detect and address issues promptly. This involves tracking traffic patterns, bandwidth usage, and identifying potential bottlenecks to ensure the network operates at its optimal capacity. Resolution management – Assist support team in Proficient troubleshooting to minimizes downtime and preserves network performance, directly impacting the productivity and success of an organization. Bug Calls - Identify the Issue and to gather as much information as possible about the bug. What are the symptoms? When does it occur? Are there any error messages? and develop a fix User Access Management (UAM) Responsible for ensuring that users have appropriate access to systems, applications, and data based on their roles and responsibilities. This role plays a critical part in maintaining security, compliance, and operational efficiency across the organization Creating and managing user accounts and Roles Handling access requests for internal tools and portals. Ensuring compliance with data security policies on rights Allocated Quaterly Audit on the Acess shared to user,Addtion & Deletion as required. Folder Acces – Giving & Revoking Access for all users. Ticket Management – Query Tracker. Ticket Management is a core function of IT and customer support teams, enabling structured, efficient, and traceable handling of user issues, requests, and incidents. It ensures that every support interaction is logged, tracked, and resolved in a timely and accountable manner Average Resolution Time: Monitor & reduce the Time taken to resolve support tickets First Response Time: Monitor Time taken to respond to a ticket after it's raised Ticket Volume: Monitor Number of tickets received, resolved, and pending. First Contact Resolution Rate: Monitor Percentage of issues resolved during the first interaction

PRINCIPAL ACCOUNTABILITIES (List the accountabilities associated with the job.) Responsible for the review of new contract bonds for completion in accordance with Surety policies. Analyze new account submissions for assigned accounts. Approve bonds within the limit of authority for this position. Oversee and manage the fiscal status of accounts. Perform analysis on annual accounting audits and internal financial statements. Review and be familiar with relevant credit information. Maintain current documentation and credit information files in accordance with the BAGIC Procedure Manual for Contract Surety. Visit bond accounts as requested by stakeholders and Underwriting Head. Provide quarterly marketing updates and other reports as requested by various stakeholders Maintain a strong knowledge of construction industry trends, market conditions, and current challenges and opportunities Develop broker relationships and marketing strategies to further new business opportunities. Actively participate in underwriting and sales meetings and support management in the identification and launch of new programs and initiatives Assures development and implementation of policies, procedures, and standards to produce profitable underwriting results significantly contributing to process improvement and technology innovation Addressing governance and regulatory compliance issues MAJOR CHALLENGES (Describe the major challenges you face on an on-going basis in carrying out your job.) Ability to thrive in a fast-paced environment and manage multiple priorities Securing appropriate underwriting information to evaluate credit risk and determine risk acceptability. DECISIONS (Mention the key decisions taken by job holder at his end and the decisions for which the job holder goes to superior with options and recommendations or seek approval). Recommend and approve bonds within the limit of authority (100 Cr) for this position with a sign off from the UW head INTERACTIONS (The key working relationships or routine contacts a job holder needs to have INSIDE and OUTSIDE the organization to accomplish the job.) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Internal Sales Team : Explaining the product to internal Sales team. Presenting the same along with Internal Sales team to client External Clients Roles you need to interact with outside the organization to enable success in your day to day work Role need to interact with outside the organization to enable success in your day to day work Brokers : Presenting product to them and also sourcing business through channel partner

Audit Plan Creation Interact with key stakeholders of business/functions teams to identify any new processes/systems implemented, challenges being faced by business/functions and priority areas for resolution Lead own team to audit observations of previous years and conduct market research to identify the priority areas, systems and processes to be covered in audit plan Contribute to the develop annual audit plan to monitor the level of adherence to (a) regulatory requirements (b) BAGIC’s internal policies and controls; Submit draft plans to supervisor for approval and incorporate any feedback/inputs received Facilitate presenting the plan to Audit Committee, and upon approval, oversee dissemination of audit plan with all relevant stakeholders across the organization Audit Execution and Conclusion Conduct audit of internal controls, systems, processes and procedures followed by various functions/ departments to assess the effectiveness of the existing control mechanisms; Interact with internal and external stakeholders (such as customers and channel partners) to identify systemic issues, compare with best practices across the industry/markets and highlight any other audit observations Suggest recommendations & carry out follow ups for identified audit observations/issues/best practices to facilitate achievement of the cost savings, risk reduction and increased effectiveness of internal systems and processes Provide feedback to the audited parties, Audit Committee and other relevant stakeholders on design of controls, current compliance levels with both internal policies and regulatory requirements Drive completion of audits with business/functions within approved audit plan timelines; Escalate complex issues to supervisor for input Organization-wide Action Planning Support Based on audit observations from Head Office and Branch audits, identify and share organization-wide priority areas with HODs for action-planning Collate action plans received from HODs of various businesses/functions and submit the action-planning report (for the organization) to supervisor in order to enable him/her to present/submit the same to Audit Committee, and other senior management stakeholders Drive submission of relevant inter audit reports (observations, action plans) to statutory auditors, as needed Team Management Participate in recruitment process to identify the right talent for various positions within the function Conduct training needs identification and drive adequate participation of team in training programs Establish individual performance expectations and evaluation metrics, and regularly review individual performance Identify and create development opportunities for team members to enhance functional knowledge

Job Description This includes preparing financial statements like balance sheets, income statements, and cash flow statements, as well as analysing financial data, reconciling accounts, and ensuring compliance with accounting standards and regulations. Key Responsibilities And Skills o Financial Statement Preparation: Preparing accurate and timely financial statements, including balance sheets, income statements, and cash flow statements. o Financial Data Analysis: Analyzing financial data to identify trends, assess performance, and make recommendations. o Account Reconciliation: Reconciling financial accounts, including Balance sheet accounts like accounts receivable, and accounts payable. o Compliance: Ensuring compliance with accounting standards (GAAP, IFRS), and regulatory requirements. o Reporting: Preparing reports and presentations for management, investors, and other stakeholders. o Audit Support: Providing support and documentation for internal and external audits. o Communication: Effectively communicating financial information to various stakeholders. Common Duties And Responsibilities o Assisting in the preparation of INDAS financial statements. o Preparing quarterly and annual schedules, including notes to accounts. o Maintaining internal controls and reporting for financial reporting processes. o Collaborating with external auditors during quarterly reviews and audit processes. o Preparing monthly close documentation and global journal entries. o Analysing financial data and identifying trends and variances. o Providing insights to support management's decision-making. o Ensuring the accuracy and timeliness of financial reports. Skills And Qualifications o Qualified Chartered Accountant with 4 to 5 years of experience. o Relevant certifications (e.g. INDAS, IFRS 17) may be preferred. o Strong understanding of accounting principles and financial reporting standards. o Excellent analytical and problem-solving skills. o Strong communication and presentation skills. o Ability to work independently and as part of a team. o Detail-oriented and accurate.

Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment. Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc.; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader (compliance). Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Computer literacy: Helping the sales team to improve their productivity by contacting customers to arrange appointments and ensuring all Sales Representatives have high-quality, up-to-date support material. Collaborating with other departments to ensure sales, marketing, queries, and deliveries are handled efficiently. Work with account managers to create and implement targeted sales strategies Keep up with new product sales launches and make sure the sales team is up to date Provide customer service by staying on top of pending orders and customer requests Sales Co-ordination: Able to understand and predict sales trends and sales results while helping in the understanding of these trends and finding improvement points. Able to determine the success of a previous sales drive and forecast as well as determine how future ones will fare. Sales Analytics: Resolve operational issues faced by the partners to ensure smooth experience while working with BAGIC Provide support for cancellation requests, policy endorsements; process & track such requests in coordination with internal ops team ; Ensure ease of process & approvals for partners by coordinating with internal Ops team Service Orientation Should have strong professional conversation etiquette, especially in person and over the phone when interacting with company representatives, clients and customers. Customer service: Able to use a variety of organization methods, including calendar management, to handle multiple projects at one time and completing tasks efficiently and quickly Handle sensitive financial information and dispatched emails in a timely and professional manner. Time management and organization: In addition to data entry and typing, also need to have knowledge of spreadsheet and word processing creation software

Cattle Insurance Claims Management (Any Project done in National Dairy Development Board (NDDB) will be preferred) B.V.Sc & AH, M.V.Sc (Bachelors in Vetenerary Science & Animal Husbandry) An MBA from Institute of Rural Management- Anand (IRMA) /KIIT School of Rural Management (KSRM)/Institute of Rural Management (IRM)-Jaipur /Xavier Institute of Management- Bhubaneswar (XIMB) or any other MBA in Rural Management

Platform Maintenance Ensure smooth functioning of digital learning platform, with constant checks of platform features. Ensure seamless flow of employee data from HRMS to Learning Platform, in collaboration with internal and vendor technical teams. Prepare and update standard operating procedures for various platform accesses. Monitor and evaluate the rights and accesses provided to different users. Learning Analytics & Compliance Create and update Learning MIS reports and dashboards in a timely manner with accuracy. Track and monitor learning adoption through learning analytics, and derive key trends for enhancing learning strategy on a continuous basis. Monitor delivery of scheduled reports on a regular basis and highlight in case of any deviations. Draw and execute legal agreements with the vendors in close coordination with corporate legal team, and maintain the records. (For future reference and audit) Monitor the month-on-month expenses and compliance wrt vendor payouts. Ensure received invoices are processed by HR Shared Services in time. Support the audit requirements. Driving Learning Adoption via Digital Platform Engage with HR stakeholders & business across the organization with the aim of driving learning through digital medium. Effectively manage queries of the learner on a real time basis by providing support as and when required. Projects Plan, design and develop ideas for learning initiatives and specific projects assigned. Collaborate with internal team for driving and delivering the projects result

Commissions Management Updating the commission’s structure and grid in coordination with the underwriting and actuarial team along with updating policy wise rates. Monitoring IRDA commissions by overseeing the payments being made to the intermediaries and brokers as per the IRDA compliance. Review MIS and data for IRDA purposes which is put together by the team on a monthly and quarterly basis. Preparation of Yearly report to be filed with the IRDA along with sharing certification to corporate agents with a summary of how much business is done with them and amount of commission paid. Attends to any escalations or complex queries that arise from agents or internal stakeholder with respect to commissions Campaigns and Incentives Management Design campaigns along with Channels Heads/Vertical Heads, recommend changes if needed Collaborating with business for designing the incentive schemes of various channels from the perspective of alignment to business objectives and budget, etc. Overseeing the campaign details and suggesting on the amount that can be looked at for the proposal. Performing an analysis of all the campaigns run for IMDs and the sharing reports with the respective stakeholders on payouts and benefits. Reviewing the payouts for the campaigns for IMDs and approving the same. Checking incentive payout details calculations and if the same is within the terms set by the scheme and getting the same reviewed by HR. Automation and process improvement Driving automation and process improvements for smooth commission and incentive payouts. Catering to internal and statutory auditors along with service tax auditor and IRDA auditors. Team Development Participates in monthly and quarterly reviews with function head and own team Participates in selection process to identify right talent for various positions within the team Identifies and creates development opportunities and helps in enhancing domain knowledge for team members Establishes individual performance expectations for the team and regularly review performance

Commissions Management Updating the commission’s structure and grid in coordination with the underwriting and actuarial team along with updating policy wise rates. Monitoring IRDA commissions by overseeing the payments being made to the intermediaries and brokers as per the IRDA compliance. Review MIS and data for IRDA purposes which is put together by the team on a monthly and quarterly basis. Preparation of Yearly report to be filed with the IRDA along with sharing certification to corporate agents with a summary of how much business is done with them and amount of commission paid. Attends to any escalations or complex queries that arise from agents or internal stakeholder with respect to commissions Campaigns and Incentives Management Design campaigns along with Channels Heads/Vertical Heads, recommend changes if needed Collaborating with business for designing the incentive schemes of various channels from the perspective of alignment to business objectives and budget, etc. Overseeing the campaign details and suggesting on the amount that can be looked at for the proposal. Performing an analysis of all the campaigns run for IMDs and the sharing reports with the respective stakeholders on payouts and benefits. Reviewing the payouts for the campaigns for IMDs and approving the same. Checking incentive payout details calculations and if the same is within the terms set by the scheme and getting the same reviewed by HR. Automation and process improvement Driving automation and process improvements for smooth commission and incentive payouts. Catering to internal and statutory auditors along with service tax auditor and IRDA auditors. Team Development Participates in monthly and quarterly reviews with function head and own team Participates in selection process to identify right talent for various positions within the team Identifies and creates development opportunities and helps in enhancing domain knowledge for team members Establishes individual performance expectations for the team and regularly review performance

PRINCIPAL ACCOUNTABILITIES Analytics Management Strong desire to grow a career as Data Scientist by doing analysis and machine learning modeling on terabytes of diverse datasets Strong knowledge in programming to extract data from different databases via SQL or other query language and applying data cleansing, outlier detection/identification and missing data techniques. Initial data investigation and exploratory data analysis Analyze large amount of data information to discover trends and patterns Building and deploying analytics solutions Work with cross functional team tea to drive analytics tools, process, and program Ability to search market or product specific SKUs and device specific information methodically from a range of publicly available sources Meeting regular deadlines while achieving overall team goals and objective Individual contributor on data science team Strong verbal and written communication skills AOP / Budgeting & Shareholder Review Presentation Provide data support to NHOD for Budgeting / share holder reviews. Assist NHOD in analyzing data points to be incorporated in AOP/Budgeting & share holder review presentations. Data Science Support Model development and data science support to support additional business opportunities.

PRINCIPAL ACCOUNTABILITIES (List the accountabilities associated with the job.) Business Development : Regular meeting with OEM’s to explore possibilities of new products that can be BAGIC’s USPs in automotive programs Coordination with two-wheeler & commercial vehicle Vertical Heads to increase market share in profitable geographies To monitor profitability across markets & dealers Work with zonal teams on dealer activation. To work on new OEM on-boarding along with Key Accounts Head by filling up RFPs To be an integral part of strategic projects & LRS, AOP, etc Market Intelligence : Understanding new developments and market strategies of competition & program players To share qualitative inputs to Vertical Head for business development Work actively on pricing with zonal teams to ensure new business inflow, increased renewals & to maintain channel profitability Co-ordination & client servicing : To co-ordinate with Central COE team to ensure all operational queries are resolved within TAT To co-ordinate with internal & external stakeholders for smooth business functioning Coordination with Vertical Head for business enhancement MAJOR CHALLENGES (Describe the major challenges you face on an on-going basis in carrying out your job.) Daily Co-ordination with OEM’s & to ensure TATs DECISIONS (Mention the key decisions taken by job holder at his end and the decisions for which the job holder goes to superior with options and recommendations or seek approval). Sharing qualitative inputs to Vertical Heads to enable their decision making wrt business sourcing & market share enhancement INTERACTIONS (The key working relationships or routine contacts a job holder needs to have INSIDE and OUTSIDE the organization to accomplish the job.) Internal Clients Roles you need to interact with inside the organization to enable success in your day-to-day work National Sales Heads: Two Wheeler & Commercial Vehicle Automotive Key Accounts Head Zonal Heads / Sales team Actuary & UW teams Central COE team Support functions- Finance, IT, Legal, etc