Role & responsibilities Key Responsibilities Insurance Strategy & Coverage Design, review, and renew insurance policies (property, liability, workers compensation, cyber, tower-specific risks). Benchmark coverage against telecom infrastructure risks and negotiate with insurers and brokers. Proactively manage risk exposure and identify coverage gaps. Claims Management Oversee claims process from incident to final settlement. Coordinate with field teams, adjusters, insurers, and internal stakeholders for smooth, efficient resolution. Compliance & Governance Ensure alignment with IRDA and other regulatory frameworks. Conduct regular audits of policy terms, renewals, and claims procedures. Report status updates and risk exposures to senior management, AUDIT & RISK Committee, or ESG Committee as needed. Cost & Vendor Management Optimize insurance spend through renewal strategies and portfolio consolidation. Evaluate broker performance and ensure Value-for-Money. Track premiums, claims, and renewals using MIS and reporting systems. Stakeholder Engagement Partner with Operations, Legal, Finance, and Procurement teams (on both field and corporate levels). Provide training on insurance protocols during prime risk events: tower damage, site acquisition issues, natural disasters, third-party liabilities. Represent the insurance function in cross-functional forums. Continuous Improvement Monitor evolving insurance trends in telecom/infrastructure sectors. Recommend policy enhancements or new insurances (e.g., cyber, business interruption). Required Profile Education: Graduate in Finance, Risk Management, Insurance, or related field. Experience: 5+ years in insurance management, preferably in infrastructure/telecom. Technical Skills: Strong understanding of insurance contracts—risk transfer, exclusions, indemnities, warranties. Regulatory Know-how: Familiar with IRDA regulations and industry requirements. Preferred Attributes Certifications: Associate / Fellow of Insurance Institute of India (ACII/FIII), or globally recognized credentials (CPCU, ARM). Analytical Skills: Ability to interpret loss trends and perform risk modelling. Stakeholder Management: Strong negotiation and relationship-building capabilities. Communicative Clarity: Able to clearly articulate risk and insurance strategy to senior leadership. Cultural Fit @ Indus Towers Collaborative Mindset: Keen to work with cross-functional teams across all 22 telecom circles. Ownership Attitude: Comfortable taking charge of complex risk portfolios and coordinating hands-on claim management. Growth Orientation: Driven to learn, adapt, and support digital/green-energy initiatives within the infrastructure landscape.
