Nikunj Joshi

Payroll: Apogee Consultancy, Renewal Executive – Off-Role, Ahmedabad.| 2014 – 2016

• Managed the Renewal Department for the agency channel, handling end-to-end renewal operations.
• Collected and coordinated policy renewals from customers, ensuring timely premium realization.
• Maintained and strengthened the renewal base across the entire agency network in Ahmedabad.
• Coordinated with agents and internal teams to reduce policy lapse ratios.
• Responded to customer inquiries and complaints, improving customer trust and satisfaction.
• Built strong relationships with customers and agents, contributing to consistent renewal growth.

Promotion Relationship Manager – Banca Vertical (On-Role) 2016

• Promoted to on-roll Relationship Manager in the banca channel based on performance.
• Managed the Axis Bank partnership, handling insurance business through the bank's Retail Loan Center.
• Relocated to Mehsana to develop and expand the banca business.
• Conducted product and sales training for Axis Bank staff to improve insurance penetration.
• Achieved approximately 75% market share in fire insurance products for Tata AIG in the assigned region.
• Secured the top position in the Gujarat region for the Loan Protector (GCS Plus) product performance.

Senior Relationship Manager – Local Tie-Up Vertical, North Gujarat.| 2018 – 2020

• Managed the local tie-up and cooperative bank vertical across North Gujarat.
• Drove business development across Mehsana, Patan, Kalol, and Palanpur locations.
• Built and strengthened strategic partnerships with key co-operative banks, including: Mehsana Urban Co-operative Bank, Kadi Nagrik Sahakari Bank, and Gujarat Ambuja Co-operative Bank Ltd.
• Maintained strong relationships with bank managers and branch teams, resulting in increased business volumes and improved market share.
• Honored with a recognition certificate from CEO Mr. Tapan Singhal for outstanding performance and leadership as a team leader.
• Supported sales teams with product training, relationship management, and business planning to achieve targets.

• Built the banca insurance business from ground zero in the assigned region.
• Managed insurance operations across ~120 Bank of Baroda branches in Mehsana and Banaskantha, along with select IDBI Bank and Canara Bank branches.
• Achieved and sustained a branch activation ratio exceeding 68% month-on-month.
• Consistently exceeded monthly business targets through structured branch engagement and sales planning.
• Conceptualized and implemented “Login Days” for the Welcome Plan, driving strong branch participation across the region.
• Generated 5,000+ policies from Bank of Baroda branches in Mehsana and Banaskantha, delivering approximately ₹28 lakh in net premium.
• Developed and led the Cattle Insurance portfolio in Mehsana, achieving a 62% market share in the region.
• Secured large SME accounts, including three major ONGC contractor firms, covering Fire, Plant & Machinery, and Motor Insurance through Bank of Baroda SME branches.

• Joined as Branch Manager – Virtual Branch, managing Agency, Banca, and Motor Dealer channels for Morbi and Bhuj locations.
• Significantly improved agent satisfaction by enhancing service quality and resolving agent issues proactively. (Expanded the active agent base from 22 to 86 transacting agents across Morbi and Bhuj.)
• Built a high-performing team through targeted recruitment, structured training, and performance management. (Recruited two Banca team members and improved branch activation and branch visit frequency, resulting in additional month-on-month premium growth.)
• Implemented effective sales and distribution strategies to consistently achieve and exceed branch targets. Established new dealer tie-ups, including 3 Hero, 2 Toyota, and 1 Bajaj Auto dealership, significantly improving topline performance.
• Based on sustained business growth and operational strength, the company approved and opened a full-fledged branch office in Morbi in September 2024.

Area Head – Gujarat, Bhavnagar.| Sep 2024 – Present

• Promoted to Area Head and relocated to Bhavnagar, overseeing business operations across Bhavnagar, Junagadh, Gir Somnath, and Amreli districts.
• Managing Agency, Banca, and Motor Dealer verticals across all districts, with a team of 13 members.
• Driving business planning, target achievement, and distribution expansion across multiple channels.
• Led the Bhavnagar Area Office to achieve Pan-India Top Area Office recognition in March 2025.
• Achieved Top Branch and Top Area Office award in the CEO Cup Contest – June 2025.
• Bhavnagar Area Office ranked among the top five area offices pan-India, consistently delivering over 100% growth and month-on-month budget achievement

• I Am Passed 10th with 85 % in 2010 from Hari om Education High school Deesa in 2010
• GPA: 85%

• I Am Passed B.A with B GRADE in 2015 From SARDAR ART AND COMMRACE COLLAGE DEESA
• GPA: B GRADE

• I Am Passed 12th Science with 61 % in 2012 from D.N.J Adresh High school Deesa in 2012
• GPA: 61%