KOMAL SHARMA

• Generate B2B sales from institutional clients across industries and having turnover ranging from INR 50 Cr to INR 2000 Cr
• Experience across sectors like, Aviation, Manufacturing, Fashion, Mining, Healthcare, VC/PE etc.
• Built partnerships with CHROs and CFOs for business lines like Employee Benefits, Liability and Property
• Expanded client base by leveraging networking skills and using data driven research

Allianz Partners is B2B2C leader in assistance and insurance solutions.

• Created Full and Pocket Product Portfolio across following segments:

Digital Protection: Online Banking Protection, Anti-Virus, Anti Phishing, Browsing Protection, Parental Control with service providers such as HDFC Ergo & F-Secure

Health: Tele-consultation, Ambulance, Nursing Care, Physiotherapy, Pharmacy, Psychology with service providers such as Ask Apollo & 1mg

Travel: Roadside Assistance, Cashless Hospital Network, Luggage Tracking Device, Credit Card Fraud Cover for clients such as Matrix & Bajaj Allianz

Home: Appliance Assistance

• End-to-end ownership of new product/service including conceptualizing, conducting market research and analysis to identify customer needs, market trends, and competitive market
• Develop product features, pricing, marketing campaigns and launch product. Core area of expertise was to create product strategy including innovation, build consensus, drive growth and lead cross functional team across Operations, IT, Network, Legal, Compliance, Finance and Underwriting to ensure timely launch of new products Created digital products from inception to launch
• Led mobile app development by working closely with technology partners by creating BRD and wireframes, functional build, conducting usability testing and launching app. Led Product Up gradation of legacy products to increase sales and improve customer retention
• Monitor and analyze product performance metrics, including customer acquisition, retention, usage, profitability and use these insights to continuously improve products and customer experience Led Product Viability Studies by collaborating with customers, advisory firms, market research firms and studying regulatory environment
• Responsible for Product Branding and Communication and managing creative agencies Created client proposals, pitch decks and SOPs
• Heading branding and communication for India business

• Product development from inception to launch
• Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives. Coordinated project planning and execution with team members and team leads.
• Collaborated with marketing agencies and launched customer campaigns and digital content video content. Video Link https://www.youtube.com/watch?v=tGllOyXynLI
• Reviewed sales, customer concerns, and new opportunities to drive business strategy at weekly planning sessions.
• Documented user stories, specifications, and product features into detailed work order to communicate across teams and build mandatory requirements.
• Developed product documentation to communicate upcoming features and products to internal teams.

• Led cross sell program for NCR region between Retail and SME businesses.
• Assisted customers with purchase decisions through integrated product offering
• Increased sales by 15% for retail banking in Delhi NCR region
• Cross-trained existing employees to maximize team agility and performance.
• Followed through on risk and compliance processes and policies to safeguard customer assets, maintain privacy and act in best interest.

• Ensured customer delight through exemplary after sales service and reduced TAT
• Awarded Champion’s League Award from DBS Bank’s CEO for exemplary and unsurpassed Customer Service.
• Conducted skill enhancement trainings for 100+ sales team on business ethics and business compliance Ensured adherence to Sales Audits Designed and implemented training program for channel partners
• Followed through with client requests to resolve problems. Resolved customer complaints while prioritizing customer satisfaction and loyalty.
• Collaborated with marketing department to launch and manage promotional activities and campaigns.

• Managed wealth portfolio for 150 HNI clients (primarily insurance and mutual funds)
• Created financial dashboards to provide insights into key performance indicators. Tracked and monitored portfolio health and took corrective measures to ensure client commitments were met
• Ensure sales quality by following requisite HSBC group standards. Complied with established internal controls and policies
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products
• Maintained knowledge on banking products and distribution to provide optimal service support

• Led, trained & monitored Personal Bankers, Relationship Managers, Sales Executives for largest corporate account (HDFC Bank)
• Awarded top performer by HDFC Standard Life Insurance Company Ltd Distinction of attaining sales target with over 150% achievement
• Coordinated full sales lifecycle from proposal development to closings and follow-up
• Developed and maintained strong working relationships with professionals within assigned territory
• Met existing customers to review current services and expand sales opportunities
• Led employee relations through effective communication, coaching, training, and development
• Drove performance of staff by creating incentives and positive work atmosphere and administering recognition and rewards programs