Retail Business Sales Head

Job Summary

We are looking for a high-performing Retail Business Sales Head at AVP/DVP/VP level to lead and scale our direct-to-customer (D2C) insurance sales channel. The ideal candidate will bring deep experience from leading Insurtech platforms with strong exposure to digital insurance selling, loan-linked insurance products, and customer acquisition strategies. This is a leadership role responsible for driving insurance sales across both loan-attached and standalone D2C retail channels. This is a full-time on-site role for a Sales Head – Insurance Retail Business located in Mumbai

Key Responsibilities

• Own and drive the P&L for the retail insurance business, targeting both loan-linked and independent D2C insurance sales

• Design and execute strategies to drive insurance attachment across Personal Loans and other retail lending journeys

• Build, lead and manage a high-performing digital sales team focused on customer acquisition, conversions, and persistency

• Leverage open databases, digital leads, and customer journeys to optimize sales funnel and cross-sell/upsell insurance

• Conceptualize and run marketing campaigns (email/SMS/push/ads) to drive customer engagement and insurance purchase intent

• Collaborate with product, underwriting, data, marketing and tech teams to ensure seamless integration of insurance offerings across platforms

• Partner with insurers to develop bundled offerings and improve commercial viability

• Monitor and improve key metrics like attachment rates, conversion, persistency and CAC

• Work in collaboration with other Business Heads – Retail loan, Corporate loan, Personal Loan to pitch insurance to the customers

• Impart knowledge and develop understanding of team on insurance sale

• Track market trends, competitor offerings, and feedbacks to align the sales strategy

• Achieve assigned sales targets and contribute to the overall growth of the Insurance business portfolio

• Ensure regulatory compliance and alignment with industry best practices in digital insurance sales

Preferred Qualifications

• Education: Post Graduate degree in Business administration preferred. Additional insurance certifications preferred (e.g., Licentiate from III) or Agent/ SP examination passed

• Experience

• 7 years plus experience in retail insurance sales, preferably from Insurtech companies or D2C digital platforms

• Experience and general insurance and health business preferred

• Familiarity with API-led insurance distribution, POSP models, or affiliate-led online sales

• Exposure to early-stage growth companies or fintechs offering personal loans, BNPL, or digital credit journeys

• Skills:

• Proven track record in digital D2C insurance sales

• Understanding of loan-linked insurance, especially personal loan cross-sell journeys

• Strong analytical mindset, familiarity with CRM, funnel management, and campaign ROI measurement

• Leadership and team-building experience in a fast-paced digital sales environment

Industries:Banking, Financial Services, Marketing & Advertising