Motor Head

About Us

Kshema General Insurance Limited (Kshema) was established in 2018 and is India's only Digital Agri Insurance Company catering to farmers/cultivators in the Agriculture Sectors. Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localised insurance products. Kshema is leveraging Technology to provide cutting edge insurance solutions to farmers.

Kshema has a pan India presence with more than 500+ employees on roles along with 500+ employees as contractors.

Job Title: Motor Head VP / SVP / Business Head (General Insurance)

Function: Sales & Distribution (Motor)
Location: Hyderabad

:

Own and scale the Motor insurance business (New & Renewal) across Direct, Agency, and Retail channels, delivering aggressive GWP growth with profitable underwriting. Build a highperformance distribution engine, strengthen partner ecosystems, improve customer NPS, and optimize loss ratio and COR through close collaboration with Underwriting, Actuarial, Claims, Operations, and Digital teams.

Key Responsibilities

Strategy & P&L

• Define and execute the Motor gotomarket and annual operating plan across Direct/Agency/Retail.
• Own P&L for Motor: deliver GWP/ANP, loss ratio, expense ratio, and Combined Operating Ratio (COR) targets.
• Drive channel mix (Direct vs. Agency vs. Retail) to balance growth and profitability.
• Translate strategy into region/zone/branch plans with monthly & quarterly targets.

Sales & Distribution Leadership

• Build and scale Agency (individual agents/PoSPs/corporates), Retail partners, and Direct (inside sales, telesales, branches, digital leads).
• Expand partner network: aggregators, garages, OEM/ autodealer tieups, bancassurance crosssell, and affinity partnerships.
• Improve sales productivity (policies per FOS, premium per SP/agent, hit rate, leadtobind).

• Institutionalize rigorous sales governance: MBR/QBR, funnel reviews, activity KPIs.

Product, Pricing & Portfolio Quality

• Partner with Underwriting & Actuarial to calibrate pricing, discounts, addons, and risk appetite by segment (Private Car, TwoWheeler, CV).
• Optimize portfolio mix (Make/Model/IDV/Geography) to maintain target loss ratio.
• Cocreate marketrelevant campaigns, bundles, addons (e.g., zero dep, roadside assist).

Claims, Service & Experience

• Work with Claims to reduce TAT, leakage, and severity, and to enhance cashless network and garage relationships.
• Improve customer NPS/CSAT, firsttimeright issuance, and renewal retention.
• Ensure seamless FNOL, endorsement, and refund journeys with Ops & Tech.

Digital & Data

• Scale Digital Direct (web, app, aggregator APIs), lead management, and marketing automation.
• Use portfolio analytics for pricing feedback loops, crosssell/upsell, churnrisk models.
• Drive adoption of CRM/ATS/Lead tools and field mobility apps.

People & Culture

• Hire, coach, and retain highperforming Zonal/Regional/Area leaders.
• Build a performance culture

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  with transparent goals, incentives, and recognition.
• Ensure ongoing training on products, regulations, sales skills, and ethics.

Risk, Compliance & Governance

• Ensure full compliance with IRDAI regulations, POSP/agent licensing norms, KYC, AML, and conduct standards.
• Enforce discount/waiver controls, documentation, and auditreadiness.

Requirement

Experience

• 1218+ years in General Insurance with 7+ years in Motor; recent VP/SVP/Head responsibility.
• Proven multichannel leadership: Direct, Agency/PoSP, Retail partners (incl. aggregators & dealer networks).
• Demonstrated P&L ownership with profitable growth in Motor lines.
• Strong exposure to Underwriting/Actuarial/Claims collaboration and pricing governance.
• Track record of building highscale field organizations (multiregion/multitier).

Education

• Graduate in Business/Commerce/Engineering; MBA preferred.
• Certifications in insurance (e.g., III) are an advantage.

Skills & Competencies

• Strategic planning, P&L management, and channel architecture.
• Deep Motor market understanding (pricing levers, competition, OEM/dealer ecosystem).
• Datadriven decisionmaking; comfort with dashboards & portfolio analytics.
• Strong stakeholder management with UW/Actuarial/Claims/Operations/Tech/Marketing.
• Leadership, coaching, performance management; high integrity & compliance mindset.
• Excellent communication, negotiation, and executive presence.