Sanjay Muthiravilayil Achankunju

Managing the entire Insurance cross sell of the Bank for Insurance products across all channels of the Bank. Handling 22 member team for end to end process from generation of leads to settlement of commission to the bank and client policy servicing. New product development and Insurance partners relationship management.

Managed and responsible for Sales, Distribution & Marketing for South, East & West India for Direct Distribution & Telcassurance Channel. Selling of insurance and health insurance through the dedicated in house channel.
Accountable for planning, budgeting and achieving sales plan, developing marketing activites & P&L for the assigned zone.
Supervised a team of 900 on roll staff with 4 AVP's, 1 Manager-Business Analyst, 2 Regional Manager's-Telcassurance, 70 sales managers and 25 Area Managers.
The Direct distribution Channel was pivotal in leveraging Insurance through Telecom partner Airtel through their sales channels and distribution models where they could offer additional services to their customers.
The channel also specialised in selling to all major corporates and other group companies of AXA and Bharti in India with tailor made solutions to the customers.
The channel also catered to all upselling of products to customers of the organisation, thus reducing the distribution cost and maintaining good persistency rates.
The channel also sourced business thru Telcalling platform in a highly process oriented distribution model to acquire new customers.

Supervised the entire Agency, Business Partner channel for the state of Tamilnadu. The number of Agents in the Agency team was 12000 and 190 Business partners spread across 35 branches in the state. The latest addition was the Banccasurance business of ICICI bank for the region. Focussed on Agent recruitment, productivity and market penetration in the given geographies of the region. Identifying the training needs and Imparting training and motivational programmes for various team members. Accountable for the sales and agent hiring and productivity for the enitre Tamilnadu region. People development and career planning and high level of customer servicing.

Heading the branch and supervising a team of 25 sales and credit officers for disbusement of loan products both secured and unsecured to customers in the area assigned. Liase with the credit, collection and administration department for smooth functioning of the entire process to make the entire process hassle free to the customer. Maintaining quality portfolio of the branch and managing in house and out sourced selling teams in the area. Maintaining good relationships with all dealers and distributors of Two wheeler, Cars, Light Commercial Vehicles and Heavy commercial vehicles. Was instrumental in starting up the entire Two wheeler funding operations in Cochin and within 10 months captured the market leadership position, with establishing a good distribution network of the sales and back office team to provide prompt and efficient services to all the showroom dealers and ensuring quick disbursements by following company policies and managing deviations with quick and prior approval. Also managed revenue for the branch by bundling insurance products along with the sale of loan products to the customer.

Overall incharge for driving the Inventory financing business in the state. Managed the sales and credit teams for inventory sales, Dealer sales, and retail assets sales for Two wheelers, Cars, Consumer durables. Ensured market leadership for the two wheeler business for TVS brands of two wheelers by inking exclusive first right of refusal agreements with all the dealers in the area of operation with high standards of service level to the dealers and customers. Maintained market leadership for the consumer durables financing business within the first year of launching operations in the city and also ensuring quality portfolio in the business generated through dealer support and strict implementation of credit and collection policies.

Joined as Management trainee through campus recruitment and took on the sales function. Job role consisted of meeting and acquiring new customers by way of doing cold calls in the market by way of getting referals, telecalling, outdoor activities and participating in exhibitions and fairs. Maintained good relationships and high standards of customer service, which ensured existing customers referring other customers. Qualified for the Hall of fame for exceeding the set targets and was felicitated by the CEO.