Kunal Bagul
PUNE
Summary
Dynamic and results-oriented leader with over a decade of progressive experience in Life Insurance and Digital Financial Services, specializing in developing large-scale, high-performance teams. Proven expertise in driving business growth through strategic partnerships, digital transformation, and customer-centric advisory solutions. Currently spearheading the Life Insurance Advisory Channel at PhonePe, focusing on strategy, innovation, and execution to enhance financial protection accessibility for millions across India. Committed to fostering a culture of excellence and delivering impactful results that resonate with clients and stakeholders.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Lead – Life Insurance Advisory Channel (Digital Sales)
PhonePe Pvt. Ltd.
08.2024 - Current
- As the Lead for Life Insurance Advisory & Solutions, I drive strategic direction, innovation, and business expansion for PhonePe’s Life Insurance vertical—integrating insurance seamlessly into India’s most trusted digital ecosystem.
- Defined and executed the strategic roadmap for Life Insurance advisory, integrating financial protection solutions into PhonePe’s platform.
- Spearheaded portfolio P&L management, delivering double-digit quarterly growth through data-driven strategies.
- Conceptualized and launched personalized advisory journeys powered by analytics and AI insights.
- Forged partnerships with leading insurers to co-create customized, digitally optimized life insurance products.
- Collaborated cross-functionally with Product, Tech, and Marketing to deliver frictionless customer experiences.
- Built and mentored a high-performing advisory team emphasizing innovation and accountability.
- Ensured full IRDAI compliance and implemented transparent governance frameworks.
- Positioned Life Insurance as a key enabler of PhonePe’s financial wellness mission through technology and trust.
Senior Regional Manager – Yes Bank Vertical (Bancassurance Channel)
Max Life Insurance Co. Ltd.
05.2024 - 08.2024
- Led strategic and operational performance for Max Life’s Yes Bank Bancassurance business, strengthening channel relationships, optimizing productivity, and driving sustainable growth.
- Strengthened the Yes Bank partnership through structured engagement and data-led decision-making.
- Conducted joint business reviews to identify high-potential clusters and revenue levers.
- Mentored multi-location teams, embedding a performance-driven, customer-first culture.
- Implemented dashboards and sales governance frameworks to enhance predictability and efficiency.
- Drove compliance and service excellence across all sales processes.
Regional Sales Manager – HDFC VRM / Area Sales Head – DBS Bank Channel
Aditya Birla Sun Life Insurance Co. Ltd.
01.2021 - 04.2024
- Directed strategy, partner engagement, and team leadership for key Banca relationships—HDFC and DBS Bank—achieving consistent growth and operational excellence.
- Designed and executed regional sales strategies aligned with partner objectives.
- Managed regional portfolios exceeding ₹5 Cr in annual revenue.
- Strengthened Banca relationships through executive-level engagement and joint business planning.
- Enhanced digital adoption and analytics-led sales monitoring.
- Mentored teams to achieve sustainable performance and compliance adherence.
- Developed and implemented strategic sales plans to drive regional growth and market penetration.
Center Manager – OCC (Axis Bank Relationship)
Max Life Insurance Co. Ltd.
11.2020 - 01.2021
- Managed Life Insurance sales through Axis Bank’s Digital Circle vertical, building engagement with Relationship Managers and optimizing sales efficiency.
- Enhanced sales productivity through daily reviews, CRM tracking, and structured activation plans.
- Strengthened bank partner engagement, driving conversion and product adoption.
- Ensured operational compliance, service delivery, and performance excellence.
Senior Business Manager – Virtual Sales Office
Affordplan
10.2019 - 11.2020
- Led business expansion for healthcare financing solutions, driving merchant onboarding, regional growth, and revenue optimization.
- Established new healthcare partnerships across Pune, increasing patient financing adoption.
- Developed monthly growth blueprints to boost conversions and profitability.
- Trained teams on consultative selling and improved sales performance through coaching.
- Collaborated cross-functionally to launch awareness campaigns and enhance patient engagement.
Channel Manager / Area Manager – Online Sales & Web Distribution
Bajaj Allianz Life Insurance Co. Ltd.
11.2017 - 08.2019
- Led transformation of Bajaj Allianz’s digital sales channel, driving online customer acquisition and business growth through strategic initiatives and performance excellence.
- Delivered ₹11 Cr business in FY 2018–19 with a team of 25 professionals.
- Drove 25–50% quarterly growth through digital innovation and training.
- Designed a two-year strategic sales roadmap enhancing lead conversion and retention.
- Collaborated with marketing and analytics teams to strengthen online performance.
- Awarded 'Oscar Award (Top 3 Performer)' and 'Excellence Award (Super Star Performer)'.
Team Leader – Telesales
iTIVIA Technologies Pvt. Ltd.
12.2015 - 10.2017
- Directed telesales operations across multiple client projects, ensuring sales excellence, process optimization, and client satisfaction.
- Managed multi-project sales teams, achieving consistent KPI delivery.
- Conducted motivational sessions and skill training to improve productivity.
- Improved team efficiency by 20% through structured monitoring and coaching.
Education
Bachelor of Arts - Fine Arts
Himalayan University
Himalayan University01.2019
Skills
- Strategic Leadership
- Digital Insurance Solutions
- Digital Insurance Solutions
- Partnership Management
- Sales Transformation
- P&L Management
- Customer Experience Design
- Regulatory Compliance
- Team Building & Mentorship
Certification
- Licensed [Broker Qualified Person]
AWARDS & RECOGNITION
Oscar Award (2017–18) – Top 3 Performer, Bajaj Allianz Life Insurance, Excellence Award (2018–19) – Super Star Performer, Bajaj Allianz Life Insurance
Languages
English
Hindi
Marathi
Timeline
Lead – Life Insurance Advisory Channel (Digital Sales)
PhonePe Pvt. Ltd.
08.2024 - Current
Senior Regional Manager – Yes Bank Vertical (Bancassurance Channel)
Max Life Insurance Co. Ltd.
05.2024 - 08.2024
Regional Sales Manager – HDFC VRM / Area Sales Head – DBS Bank Channel
Aditya Birla Sun Life Insurance Co. Ltd.
01.2021 - 04.2024
Center Manager – OCC (Axis Bank Relationship)
Max Life Insurance Co. Ltd.
11.2020 - 01.2021
Senior Business Manager – Virtual Sales Office
Affordplan
10.2019 - 11.2020
Channel Manager / Area Manager – Online Sales & Web Distribution
Bajaj Allianz Life Insurance Co. Ltd.
11.2017 - 08.2019
Team Leader – Telesales
iTIVIA Technologies Pvt. Ltd.
12.2015 - 10.2017
Bachelor of Arts - Fine Arts
Himalayan University