SAGAR TANK

Demonstrated leadership in strategic planning initiatives.

• Spearheaded territory business growth through strategic planning, market analysis, and strong customer relationship management

• Led and mentored a team of sales managers & senior managers consistently achieved revenue and market penetration goals

• Set team targets and formulated monthly and quarterly budgets and sales forecasts for the entire team

• Guided team using business statistics, product differentiation, and innovative strategies to drive business growth within company policies on pricing, promotions, and business practices

• Designed and executed territory-wise sales plans to exceed revenue and market penetration objectives
• Monitored team performance through regular reviews and tracked renewal business biweekly.

• Monitored competitor activities and evolving market trends to identify growth opportunities, risks, and strategic insights

• Delivered performance reports and market intelligence to senior management to support strategic decision-making

Analyzed Combined Operating Ratio, Loss Ratio, Net Earnings, Vehicle Own Damage Ratio, and Third Party Loss Ratio to understand portfolio to drive profitable business growth

Identified loss-making vehicle models and devised effective strategies to minimize loss-making business

Coordinated with underwriting authorities for product-wise and profitability-wise discounts, add-on rates, and pricing decisions

Analyzed client workshop inflow, claim counts, claim amounts paid by the company, and their turnaround time (TAT) to assess service efficiency and performance

Coordinated with the heads to track business partners' claim turnover, assess portfolio performance, and identify new business opportunities

Business Growth & Key Achievements

• Added an entire new segment Maruti Private Car business in portfolio and generated 0.70 million from scratch and established new revenue source

• Secured fresh business from Hyundai, establishing it as a new revenue source

• Developed and expanded insurance business through authorized Private Car dealers such as Skoda, Audi, and Hyundai

• Improved renewal retention from 45% to 60% across both tie-up and non-tie-up business

• Consistently exceeded targets, achieving 120% and 115% year after year

• Leadership, Planning & Strategy

Spearheaded territory business growth through strategic planning, market analysis, and strong customer relationship management.

• Led and mentored a team of Territory Managers to consistently achieve revenue and market penetration goals.

• Set team targets and formulated monthly and quarterly budgets and sales forecasts for the entire team.

• Guided the team with business statistics, product differentiation, and innovative strategies, designed and executed territory-wise sales plans to exceed revenue and market penetration objectives.

• Monitored team performance through periodic reviews and tracked renewal business on alternate days for timely action.

• Monitored competitor activities and evolving market trends to identify growth opportunities, risks, and strategic insights.

• Ensured strict compliance with company policies on pricing, promotions and business practices.

• Delivered detailed performance reports and market intelligence to senior management for strategic decision-making.

Analyzed financial metrics to assess profitability across various business segments., Underwriting & Conducted thorough analysis of claims to identify trends and areas for improvement.

Analyzed Combined Operating Ratio, Loss Ratio, Net Earnings, Vehicle Own Damage Ratio, and Third Party Loss Ratio to understand portfolio health and drive profitable business growth.

Identified loss-making vehicle models and devised effective strategies to minimize loss-making business.

Coordinated with underwriting authorities for product-wise and profitability-wise discounts, add-on rates, and pricing decisions.

Coordinated with the claims team to track business partners' claim turnover, assess portfolio performance and losses incurred.

Developed and implemented strategies to drive sustained business growth. & Key Achievements

• Grew Maruti Private Car business from 0.21 Million to 0.50 Million.

• Secured a staggering 0.10 Million in fresh business from Hyundai, establishing it as a new revenue source.

• Expanded agency portfolio from 0.25 Million to 0.5 Million.

• Activated a new authorized Private Car dealer in portfolio, ensured fresh business source

• Improved renewal retention from 45% to 60% across both tie-up and non-tie-up business.

• Consistently exceeded targets, achieving 120% and 115% year after year.

• Led a high-performing team of tele-callers, managers, and insurance heads to efficiently manage key client portfolios.
• Drove regional business growth by 20% through strategic planning and consistent execution.
• Expanded the portfolio by onboarding new authorized two-wheeler dealers such as Honda, Royal Enfield, and Suzuki, driving substantial business growth.
• Monitored key clients' renewal performance, new business acquisitions, and overall renewal ratios to ensure retention exceeded 50% while driving consistent business growth.
• Analyzed Combined Operating Ratio (COR), Claim Ratio, Loss Ratio, Net Loss, and Net Earnings to identify and eliminate loss-making business, ensuring a more profitable portfolio for the organization.
• Coordinated with the underwriting team to analyze loss-making and profitable vehicle insurance segments, with a focused approach on scaling profitable business and minimizing loss-making accounts.
• Formulated strategic approaches for commission rates, discounts, and loss ratios with a sharp focus on driving profitable business.
• Guided the team and developed tracking tools to capture potential deals by leveraging key relationships and professional interactions with brokers and dealers.
• Streamlined internal processes to significantly reduce turnaround time for claims processing.

• Led a high-performing team of tele-callers, managers, and insurance heads for key clients.
• Expanded portfolio by onboarding Yamaha, Bajaj, and Honda dealers; set a benchmark by adding 50 new channels comprising authorized two-wheeler dealers, insurance agents, and brokers, generating an additional ₹1 Million in business.
• Analyzed Combined Operating Ratio (COR), Claim Ratio, Loss Ratio, Net Loss, and Net Earnings to identify and eliminate loss-making business, ensuring a more profitable portfolio for the organization.
• Increased existing business by 20% and enhanced insurance renewal retention to 60%.
• Monitored daily policy renewals, new business acquisitions, and partner performance to ensure alignment with strategic objectives.
• Coordinated with underwriting and operations teams to streamline proposal processing and improve turnaround times.
• Developed comprehensive marketing strategies by evaluating market trends and dynamics; formulated competitive strategies for commissions, discounts, and add-on rates.
• Collaborated with clients' claims teams to analyze their overall portfolio and our business contribution through efficient claim settlements, to accurately assess and manage business loss ratios.
• Conducted competitive benchmarking of premiums, discounts, and add-on rates to enhance product positioning and increase sales of profitable offerings.
• Reviewed competitor activities and updated territory sales plans accordingly.
• Analyzed market trends to identify and capitalize on new growth opportunities for the company.
• Built new alliances with authorized dealers and brokers, significantly expanding market reach.

• Increased new business and achieved 73% insurance renewal rate, surpassing benchmark expectations.
• Achieved 100% of assigned targets and budgets consistently.
• Executed tele-calling for renewal conversions, achieving a 73% conversion rate, ranking 3rd Pan-India, and earning international trips from Honda for 3 consecutive years.
• Identified and onboarded new business opportunities by analyzing insurance claim data, workshop data, and customer history.
• Educated clients on claim processes and documentation requirements to ensure seamless service delivery.
• Effectively engaged with customers, negotiated and closed deals to drive revenue growth.
• Proactively approached new prospects and expanded the customer base to increase business volume.
• Maintained, tracked, and analyzed business performance and MIS reports to support strategic decisions.

• Executed financial processes for Morgan Stanley and Citigroup USA, ensuring accuracy and compliance.
• Completed training program to work on US based Financial analytical process.
• Analyzed, reconciled and updated securities like equity, bonds on client systems.
• Reviewed and ensured compliance with regulatory standards and internal policies, mitigating potential risks.
• Prepared detailed reports to summarize financial findings and insights.
• Analyzed and reconciled trends in securities and transactions, updating client systems in alignment with exchange data.

• Managed export documentation, including first prints, bill of lading, and cargo manifests, ensuring compliance and accuracy.
• Developed and maintained relationships with key stakeholders and clients.
• Supported sales teams by identifying suitable ports for cargoes, enhancing logistics efficiency.
• Maintained business MIS and transactional details for analysis, enabling informed decision-making.

• Increased sales volumes by tele-calling and venue sales
• Developed new business strategies to expand market presence and customer base.
• Managed client relationships to ensure satisfaction and retention of services.
• Monitored annual maintenance charges for existing customers.
• Created and maintained regular MIS reports to enhance data-driven decision-making.