“ With Myitta, Thetti and Virya, discover your future at KBZMS! ”

1. Distribution Strategy and Commercial Leadership

· Develop and execute comprehensive distribution strategies aligned with the Company’s corporate vision,

growth objectives, and market positioning.

· Lead strategic planning, annual business planning, and sales forecasting across Bancassurance, Corporate Direct, and Digital Distribution.

· Identify new market opportunities, emerging customer segments, and innovative distribution models to expand market share.

· Drive sustainable Gross Written Premium (GWP), profitability, productivity, and business growth across all assigned channels.

· Monitor market trends, competitor activities, and customer behavior to continuously refine distribution strategies.

· Recommend strategic initiatives and investment priorities to strengthen competitive advantage.

2. Bancassurance Business Leadership

· Lead the overall Bancassurance business portfolio and ensure achievement of strategic and financial targets.

· Strengthen executive relationships with banking partners and establish long-term strategic alliances.

· Collaborate with bank senior management to develop joint business plans, customer acquisition strategies, and sales campaigns.

· Drive insurance penetration across retail, SME, corporate, and affluent customer segments.

· Monitor sales productivity, conversion ratios, customer experience, and profitability across all banking partners.

· Identify opportunities for new insurance propositions, digital integration, and process improvements within partner banks.

3. Corporate Direct Distribution Management

· Lead the Corporate Direct business to maximize premium generation and long-term customer retention.

· Develop strategies for acquiring large corporate accounts, institutional clients, government organizations,and commercial enterprises.

· Strengthen relationships with brokers, intermediaries, strategic corporate partners, and key decision-makers.

· Oversee strategic account management, client service, and renewal performance. · Ensure effective sales pipeline management and execution of large commercial opportunities. · Drive cross selling and integrated insurance solutions for corporate clients.

4. Digital Distribution and Ecosystem Development

· Lead the Company’s digital distribution strategy and digital sales transformation initiatives.

·Develop and scale digital insurance platforms, embedded insurance solutions, online marketplaces, APIs, and ecosystem partnerships.

· Identify and establish strategic partnerships with fintech companies, e-commerce platforms, digital wallets, telecommunications companies, and technology partners.

· Improve digital customer journeys, online conversion rates, customer engagement, and digital sales performance.

· Drive innovation by introducing emerging technologies, automation, AI-enabled sales solutions, and digital servicing capabilities.

· Ensure continuous enhancement of customer experience across all digital touchpoints.

5. Sales Performance and Commercial Excellence

· Drive sales performance management through data-driven decision-making and performance analytics.

· Establish KPIs, dashboards, sales scorecards, and business performance reviews across all assigned channels.

· Monitor pipeline health, productivity, conversion ratios, customer acquisition costs, and portfolio profitability.

· Collaborate with the Head of Sales Strategy, Performance and Operations to optimize sales planning, incentive effectiveness, reporting, and operational efficiency.

· Lead initiatives to improve sales effectiveness, customer acquisition, retention, and cross-selling performance.

· Champion continuous improvement and operational excellence across all distribution channels.

6. Strategic Partnership and Stakeholder Management

· Build and maintain strong executive relationships with banks, corporate customers, brokers, fintech companies, regulators, and strategic partners.

· Represent the Company in high-level commercial negotiations, partnership discussions, and industry forums.

· Identify strategic alliance opportunities to expand distribution capabilities and business growth.

· Collaborate closely with internal stakeholders including Product, Underwriting, Claims, Finance, Operations, Risk, IT, Marketing, and HR to ensure seamless execution of business initiatives.

· Foster collaborative relationships that enhance customer value and organizational performance.

7. Business Transformation and Innovation

· Lead strategic transformation initiatives that enhance distribution capabilities and commercial effectiveness.

· Drive digital adoption, automation, and process optimization across assigned channels.

· Promote innovation in customer engagement, sales methodologies, partnership models, and distribution technologies.

· Sponsor strategic projects that improve operational efficiency, scalability, and customer experience.

· Support organizational change management initiatives aligned with business transformation objectives.

8. Leadership and People Development

· Build, lead, and inspire high-performing commercial teams across multiple distribution channels.

· Provide strategic leadership, coaching, mentoring, and performance management to Channel Heads.

· Develop leadership succession plans and talent pipelines for future business growth.

· Foster a culture of accountability, collaboration, innovation, customer-centricity, and continuous learning.

· Promote employee engagement and capability development across the distribution organization.

9. Governance, Risk and Compliance

· Ensure full compliance with regulatory requirements, internal policies, and corporate governance standards.

· Implement robust sales governance, operational controls, and compliance monitoring frameworks.

· Identify, assess, and mitigate operational, financial, legal, and reputational risks across all distribution channels.

· Ensure ethical selling practices and customer-centric conduct throughout the sales process.

· Support internal and external audits while ensuring timely implementation of corrective actions.

10. Financial and Business Performance Management

·Manage distribution budgets and ensure effective allocation of commercial resources.

· Monitor financial performance, profitability, expense management, and return on investment across all channels.

· Review business performance regularly and recommend corrective actions where necessary.

· Present business performance updates, strategic initiatives, and commercial insights to the CEO, COO, CFO, CDO and Executive Committee as required.