Pandyaraj Selvaraj

Key Responsibilities:

• Managing renewal business for Mediclaim, SME, and Retail Health Insurance segments.
• Preparing and sending personalized renewal proposals to each client ahead of policy expiry.
• Contacting clients to explain their existing policy, highlight key features, and discuss potential changes in coverage or product.
• Handling client requests for modifications, such as:
  Upgrading the policy
  Changing the sum insured
  Migrating to a new product
• Preparing and sharing revised proposals based on client feedback and explaining the benefits of new products or enhancements.
• Upon client confirmation, sharing the payment link, collecting the premium, and forwarding payment details to the insurance company.
• Ensuring timely issuance of renewed or upgraded policies, and delivering the final policy documents to the clients.
• Addressing employee queries related to sum insured, policy capping, and coverage details under the group health insurance scheme.
• Sharing digital health cards and assisting employees with activation and access to their insurance benefits.
• Guiding employees on how to effectively utilize:
  The cashless hospitalization facility at network hospitals.
  The reimbursement claim process, including required documentation and submission timelines.
• Ensuring smooth communication between employees and the insurance provider for timely resolution of issues and efficient claim settlements.
• Coordinating with HR departments on a monthly basis for:
  Addition and deletion of employees from the group policy
  Sharing endorsement copies, active employee lists, updated health cards, and the CD statement.
• Acting as a bridge between the insurance provider and the organization to ensure:
  Timely updates to the policy
  Smooth claim processing
  Efficient communication and resolution of insurance-related issues.

• Handled gold loan products for existing customers and actively worked on expanding the customer base across various industry verticals.
• Focused on promoting and servicing gold loan offerings and maintaining high customer satisfaction.
• Engaged in cross-selling financial products such as Fixed Deposits, effectively identifying customer needs and providing suitable solutions.
• Managed cash deposits, withdrawals, and cheque deposits.
• Responsible for the preparation of fortnightly Bank Reconciliation Statements (BRS) to ensure accuracy in financial records.
• Processed loan applications, opened and closed customer accounts, and provided ongoing support and guidance.
• Conducted consultative sales to match customers with appropriate financial products.
• Maintained comprehensive knowledge of the bank's services and product offerings.
• Accurately conducted cash handling duties and gold appraisal as part of the gold loan process to ensure compliance and customer trust.

• Actively handled Life Insurance sales, offering tailored solutions based on customer needs and financial goals.
• Responsible for expanding the customer base by identifying and approaching new prospects across various market segments.
• Educated clients on policy options, benefits, and claim procedures to ensure transparency and informed decision-making.
• Maintained strong customer relationships to drive referrals and long-term engagement.