Baha' Takash

• Facilitate market access to assist in achieving both; sales and growth targets
• Accelerate and launch products sales by expanding access to certain products and maximize growth drivers
• Drive patient centricity and identify new integrated solutions that improve patient outcomes for all A brands
• Develop and contribute to producing and executing quality business plans
• Proactively manage & shape the changes in HealthCare System
• Develop sales, marketing and medical teams’ skills to better understand the health insurance market dynamics
• Managed the relationships between Novartis and the insurance sector as a major payer
• Assisted in resolving non-reimbursement of brands and products with the payers
• Design and implement chronic disease management programs and adherence programs as a collaboration between Novartis and the insurance companies

Create business plans for GCIC Special Projects including:
Structure (corporate, operations, governance)
Financial requirements (capital)
Financial Projections
Human Resources
IT requirements
Products & Services
Select country targets for entry timing and strategy
Identify and explore potential relationships with strategic partners
Establish relationships with local legislators, brokers, TPA’s and all other relevant entity in selected countries including UAE
Implementing and Monitoring role

This role enabled me give all branches throughout the GCC countries the technical support needed for developing the Life business line, in addition to sales & distribution support, especially in Credit Life.
Ended the year 2008 achieving 80%over an updated budget
Managed to role out the Group Credit Life product specifications along with the refined translation for compliance purposes.
High level of involvmenet in the process workflow, individual UW & Life claims. Also contributed to select the Reinsurance treaty to other carriers with enhancements.
Worked on SME product with a third RI for easy distribution by branches

I was hired as a retainer for HYS, the sole distributers of Samsung, Haier & Lofra Home Appliances to establish the corporate sales division, where I utilize my experties in the corporate sector to secure deals with major employers to distribute home appliances to their employees by installments.

As the founder of this brokerage firm, I managed to create a specialized institution for Employee benefits Insurance, with a well coherent team. We focused on quality service to clients and add a valuable layer of excellence. The spectrum of activities was extremely wide due to direct involvement in all business activities and operations.

During my first year in this post, I’ve contributed towards:
• 90% Growth of total portfolio due to major sales acheivements
• Reduced overall delinquent premiums from 6.4% to 3.6%
• Achieved 24% growth in net profit
• Developed current PPO Network and created a second class PPO Network to suite market needs
• Reqruited and trained group administration staff, after which, they earned their promotions
• Assist in cross marketing for Telemedicine, PA, Credit Insurance & Bancassurance
• Secured the contract with Jordan Ministry of Foreign Affairs
• Applyied best underwriting practices to ensure adequacy, competetivness & profitability
• Conduct full underwriting analysis to update base rate & trend studies
• Conducted seminars for field force (Agency Channel) to help marketing group products
• Prepared budget figures and sales projections for years 2004 & 2005

• Monitor Service Reps on daily basis
• Arrange flow charts
• Assist in resolving complicated queries
• Receive performance reports on weekly basis
• Implement job discriptions for all service reps
• Act as focal point between sales team and back office
• Assist in benefit/ sales presentations