BIPIN KUMAR MISHRA
Sales & Marketing Professional
Danapur
Summary
Dynamic and accomplished General Insurance professional with over 12 years of diverse leadership experience in the Motor Dealer vertical, with proven success across two-wheeler, three-wheeler, four-wheeler, and fleet segments. Specialized in driving business through MISP, POS, DSA, OEM, Bank, Broker, and Agency models, delivering consistent portfolio growth, partner expansion, and high renewal retention. Expert at managing end-to-end insurance operations—from dealer onboarding and product promotion to policy issuance, claim control, and compliance—with deep exposure to leading OEM brands such as Hero, Honda. Renowned for launching greenfield operations, reviving underperforming markets, and scaling up business volumes through strategic market penetration, channel partner development, and hands-on leadership. Successfully led large cross-functional teams and multi-location operations across Bihar, Jharkhand, Maharashtra, Delhi NCR and neighboring regions, even under challenging macroeconomic conditions. Awarded and recognized for performance excellence at top-tier insurers/Brokers like Go Digit, Chola MS, Hero Insurance Broking, and Bajaj Allianz, with a strong record of achieving business targets, optimizing claims ratios, and building robust dealer universes. Currently seeking a stable, long-term leadership opportunity (State Head / Regional Head / Cluster Head / Vertical Head) to contribute my strategic vision, operational acumen, and channel expertise towards driving sustainable growth in a forward-looking insurance organization.
Overview
12
12
years of professional experience
3
3
Certifications
3
3
Languages
Work History
Tata AIA Life Insurance Co. Ltd.
10.2025 - Current
- Leading agent recruitment, licensing & activation across assigned territories
- Driving D2D strategy, joint working & territory expansion execution
- Conducting training support & business reviews
- Managing escalations, payout governance & IRDAI compliance
Self Employed
10.2024 - 09.2025
- Specialized in Fleet & Motor Insurance advisory for both individual and commercial clients, including quote comparison, add-on selection, IDV optimization, and policy issuance.
- Provided expert consultation on Health and Term Life Insurance plans, helping clients select suitable coverage based on age, medical history, and financial goals.
- Managed end-to-end claims support for Motor, Fleet, Health, and Term policies – including claim intimation, documentation, survey coordination, and timely resolution.
- Ensured high renewal retention by maintaining regular follow-ups, reviewing claim history, offering continuity benefits, and optimizing premium negotiations.
- Maintained complete and accurate documentation and ensured compliance with IRDAI guidelines, covering policy issuance, endorsements, and claims.
- Acted as a trusted liaison between clients and insurers, handling all aspects of policy servicing, grievance resolution, and multi-insurer platform support.
- Conducted thorough risk assessments for families, professionals, and fleet owners, and designed customized insurance solutions tailored to their specific needs and risk appetite.
Bajaj Allianz General Insurance Co. Ltd.
03.2024 - 09.2024
- Leading business expansion in the agency channel as Cluster Head, with 7 direct reports handling business development, recruitment, and servicing operations.
- Successfully scaled up business from the first month, focusing on Motor, Health, GMC, GPA, Fire, and Burglary products.
- Responsible for agent onboarding, training, performance tracking, and market-level activation in growth-focused clusters.
- Executing regular market visits, agent engagement programs, and local-level promotional events to maximize agent productivity and persistency.
- End-to-end management of business operations including proposal tracking, payout approval, 64VB confirmation, and servicing resolutions.
Bima Leap Insurance Brokers Ltd. (Motherson Group)
07.2023 - 02.2024
- Pioneered operations in Bihar & Jharkhand, establishing the broker's presence from scratch in Tier 2 and Tier 3 markets.
- Generated substantial business across Motor, Health, Life, Trade, and Non-Motor lines through strategic tie-ups and B2B activations.
- Built strong local networks, managed competitive grid arrangements, and executed renewal and cross-sell campaigns.
- Delivered consistent growth by working as a one-man army, managing end-to-end operations from partner onboarding to payout and claims support.
Reliasssure Insurance Broking Pvt. Ltd.
01.2023 - 03.2023
- Independently developed the statewide B2B model, managing business acquisition, servicing, and collections.
- Focused on growth across Motor, Health, Life, GPA, and Trade Insurance, with insurer tie-ups and competitive positioning.
- Achieved early traction and steady monthly growth by activating and supporting channel partners across districts.
Toffcover Core Technology Pvt. Ltd. (Toffee Insurance)
06.2022 - 01.2023
- Launched B2B insurance operations in Bihar from the ground up, focusing on dealer and partner development.
- Managed business across Motor, Health, GPA, Life, and Non-Motor portfolios; handled proposal to payout independently.
- Ensured brand visibility, fast-track activations, timely 64VB confirmation, and premium recovery processes.
Chola MS General Insurance Co. Ltd.
04.2021 - 03.2022
- Spearheaded the Two-Wheeler vertical via MISP, POS, Banka, and Agency channels across Bihar & Jharkhand.
- Handled partnerships with all major 2W OEMs: Hero, Honda, Bajaj, Yamaha, Royal Enfield, TVS, Suzuki, and EV brands.
- Strategically activated non-active counters and untapped OEM markets, expanding the active dealer base and productivity.
- Actively led payout approvals and discounting, a crucial part of the Motor Dealer vertical to drive competitiveness.
- Led a large team of 10 direct and 52 indirect reports, ensuring business reviews, claim control, and performance alignment.
- Successfully launched and scaled the Hero Insurance vertical, even during post-COVID recovery periods.
Go Digit General Insurance Ltd.
08.2019 - 03.2021
- Managed the Motor Dealer vertical for 2-wheelers, both OEM and non-OEM, across the state.
- Worked with all leading 2W OEMs including Hero, Honda, Bajaj, Yamaha, Royal Enfield, TVS, Suzuki, and emerging EV brands.
- Scaled the business from ₹30 Lakhs/month to ₹5 Crores/month through aggressive dealer onboarding and MISP channel expansion.
- Activated 150+ new dealers from untapped markets and led field coaching, campaign execution, and profitability reviews.
- Awarded Top Ranking – FY 2020–21 for performance in business growth, channel satisfaction, and team mentoring.
Hero Insurance Broking India Pvt. Ltd.
09.2013 - 07.2019
- Managed statewide operations with 2 direct reports, driving high-volume business through Hero OEMs and non-OEM multi-brand dealers.
- Major contribution from 2W OEM vertical (especially Hero) supported by a strong non-OEM dealership mix.
- Handled multi-product portfolio: Motor (2W/4W), Health, Life (Term & OTC), GPA, Health Top-Up, Stock Insurance, and Home Insurance.
- Scaled dealer network from 127 to 410 and increased state contribution from 4.74% to 10.43% of national business.
- Recovered over ₹40 Cr in outstanding premiums and implemented campaigns for service, renewal, and referral programs.
- Recognized as Top Ranking State Head – FY 2018–19 for performance excellence in portfolio handling and growth delivery.
Education
MBA - Marketing
NIM
Mumbai01.2009
DBA - Business Administration
NIM
Mumbai01.2007
Intermediate - Commerce
LMNU
Darbhanga01.2002
Matriculation - undefined
B.S.E.B
Patna01.2000
High School Diploma -
Insurance Institute of India
Mumbai, India 04.2001 -
Skills
Motor dealer leadership
Multi-Channel Distribution Management – Skilled in driving business through diversified channels including Broking, Agency, Bancassurance, and Direct Sales across Tier 1 to Tier 3 markets
Strategic Market Development – Successfully launched new geographies, revived dormant territories, and built business from scratch with sustainable long-term growth models
High-Impact Sales Execution – Consistent track record of exceeding sales and profitability targets through effective sales planning, team motivation, and dealer engagement strategies
Team Building & Leadership – Extensive experience in handling large teams with direct and indirect reporting; strong focus on training, performance reviews, motivation, and mentoring
OEM & Key Account Management – Strong relationships with leading OEMs like Hero, Honda, Bajaj, Yamaha, Royal Enfield and EV brands, driving long-term business partnerships and consistent renewals
Insurance Portfolio Management – Hands-on experience with Motor, Health, GPA, GMC, Fire, Burglary, and Commercial lines; expertise in claims ratio control and compliance adherence
Renewal & Cross-Sell Champion – Led multiple renewal retention and cross-sell campaigns with focus on persistency, upsell opportunities, and premium growth
Operational Excellence & Compliance – Skilled in managing 64VB processes, payout approvals, claim settlements, and end-to-end policy lifecycle with regulatory alignment
Performance Tracking & Business Reviews – Proficient in data-driven business monitoring, MIS reporting, funnel management, and aligning regional performance with national objectives
Problem-solving
Time management
Team collaboration
Client relationships
MS office
Certification
Licentiate in Insurance – Insurance Institute of India (2021)
Disclaimer
Date-04/12/2025 Bipin Kumar Mishra Place -Patna
Timeline
Tata AIA Life Insurance Co. Ltd.
10.2025 - Current
Self Employed
10.2024 - 09.2025
Bajaj Allianz General Insurance Co. Ltd.
03.2024 - 09.2024
Bima Leap Insurance Brokers Ltd. (Motherson Group)
07.2023 - 02.2024
Reliasssure Insurance Broking Pvt. Ltd.
01.2023 - 03.2023
Toffcover Core Technology Pvt. Ltd. (Toffee Insurance)
06.2022 - 01.2023
Chola MS General Insurance Co. Ltd.
04.2021 - 03.2022
Go Digit General Insurance Ltd.
08.2019 - 03.2021
Hero Insurance Broking India Pvt. Ltd.
09.2013 - 07.2019
High School Diploma -
Insurance Institute of India
04.2001 -
DBA - Business Administration
NIM
Intermediate - Commerce
LMNU
Matriculation - undefined
B.S.E.B
MBA - Marketing
NIM