SANJAY ARUN MORKAR
Retail Sales Associates-General And Life Insurance
Kalyan East
Summary
To build and grow a successful career by contributing as an effective and valuable resource within a progressive organization, fostering a mutually beneficial relationship, and thriving in a competitive and dynamic environment.
Innovative Relationship Manager focused on developing strategic business opportunities by delivering exemplary service to each client's individual needs. Respected professional with exceptional knowledge regarding risk management.
Business-driven Relationship Manager always finding successful ways to acquire new clients and foster lucrative relationships. A determined leader with over 16 years of assisting clients with financial planning processes and assessing financial data. Offering dynamic collaboration and decision making skills.
Overview
19
19
years of professional experience
Work History
Associate Circle Head-ACH(Branch Manager)
HDFC Life Insurance Co.Ltd
12.2024 - 11.2025
- Spearheaded distribution creation and business progression with the support of 8 FLS (Front Line Sales) team members.
- Recruited active leaders already engaged in Mutual Funds and other financial sectors, encouraging them to start their own insurance business for additional income opportunities.
- Engaged candidates who have cleared the III (Insurance Institute of India) examination, guiding them to become active advisors by logging in life insurance business and helping them qualify for weekly, monthly, and quarterly rewards and recognition (R&R).
- Focused on supporting team member confirmations and achieving monthly business targets to earn attractive incentives.
- Consistently worked toward maintaining high KPI scores, earning perks, and achieving timely promotions through dedicated and strategic efforts.
- Provided end-to-end support to advisors for training, development, and career progression.
- Actively mobilized advisors at the branch level to ensure upgradation and activation.
- Maintained friendly and professional customer interactions.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
Senior BAM
TATA AIA LIFE INSURANCE CO LTD
Ghatkopar,Mumbai, Maharashtra
01.2022 - 12.2024
- Led distribution creation and business progression efforts to drive consistent growth.
- Managed a team of 72 NLA/LP advisors, supported by 1 CBA, 4 BA, and 3 PBAs.
- Recruited active leaders from Mutual Funds and other financial sectors, encouraging them to start their own insurance business for high earning potential.
- Engaged candidates who cleared the III (Insurance Institute of India) exam, helping them become active advisors through login support and enabling them to qualify for weekly, monthly, and quarterly R&R (Rewards & Recognition).
- Proactively converted open sales calls lead into business by progressing NLAs and advisors in the pipeline.
- Consistently achieved monthly business targets, earning attractive incentives while striving to maintain high KPI scores, perks, and timely promotions through hard and smart work.
- Provided comprehensive training and development support to advisors for their professional growth and progression.
- Created 5 MDRTs (Million Dollar Round Table qualifiers) in consecutive years 2023 and 2024.
- Passionate about learning and committed to continual improvement.
- Managed time efficiently in order to complete all tasks within deadlines.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated respect, friendliness, and willingness to help wherever needed.
- Strengthened communication skills through regular interactions with others.
Assistant Product Manager
REALNET Wealth Creation LLP
Andheri,Mumbai, Maharashtra
08.2019 - 01.2022
- Managed 38 partners, including 23 Certified Insurance Advisors (CIAs) and 15 POSPs (Point of Sales Persons).
- Worked as a Supervisor - KRK, responsible for developing insurance business in the assigned territory by supporting partners (advisors) and the sales team.
- Executed strategic planning for insurance product business development in coordination with the regional sales head.
- Took charge of training sales teams and advisors on products, processes, and policies as defined by the head office.
- Conducted regular reviews of the sales team’s performance across multiple insurance verticals – including life, health, personal accident, motor, travel, and fire insurance.
- Actively involved in Business Opportunity Presentations (BOPs) to recruit new advisors and expand the business network.
- Focused on relationship building with insurance companies and liaising for activity management and business support.
Senior Sales Executive -Team Handling Profile – Bancassurance & Affinity
Future Generali India Insurance Co. Ltd.
Fort,Mumbai, Maharashtra
12.2018 - 08.2019
- Managed a team of 4 Officer Executives, overseeing the Bancassurance channel for Bank of Maharashtra – South Mumbai region.
- Delivered insurance services to the tied-up bank (Bank of Maharashtra), which included executing marketing activities and customer engagement initiatives.
- Monitored productivity and performance for both self and team members on a daily, weekly, and monthly basis to ensure consistent achievement of targets.
- Focused on lead generation by engaging branch staff and converting branch leads into business, ensuring high quality client deliverables and service excellence.
- Took responsibility for induction and training of new team members, along with providing regular process updates and refresher training to ensure compliance and efficiency.
- Effectively explained and offered various insurance products to customers based on their needs, including Health Insurance, Motor Insurance, Fire & Standard Perils Insurance, and Travel Insurance.
Relationship Manager – Bancassurance& Affinity
STAR HEALTH AND ALLIED INSURANCE Co. Ltd.
Andheri,Mumbai, Maharashtra
- Provided insurance services to tied-up banks – Bank of India (BOI) and City Union Bank, ensuring seamless coordination and support.
- Built and maintained strong relationships with BOI staff and customers to drive engagement and trust.
- Created awareness and generated leads by initiating interest and identifying potential customers for Health and Travel Insurance.
- Handled claim-related issues and escalations, ensuring quick and effective resolutions to maintain client satisfaction.
- Conducted monthly training sessions for Bank of India staff to update them on Health Insurance products and enhance product awareness and sales readiness.
Relationship Manager in Bancassurance
TATA AIG General Insurance Co.Ltd.
Thane, Maharashtra
12.2012 - 01.2018
- Delivered insurance services to the tied-up bank – Axis Bank Ltd., involving various marketing and customer engagement activities.
- Generated leads and provided support for a wide range of insurance products including Motor, Health, Fire, Travel Insurance, CAR (Contractor’s All Risk), EAR (Erection All Risk), and Workmen Compensation Insurance.
- Monitored and managed personal productivity and performance on a daily, weekly, and monthly basis to ensure consistent results.
- Provided customized insurance quotations to customers and the bank based on their specific needs.
- Also contributed to SME and RAC channels, particularly in sales of Loan Protection products.
- Handled and resolved all claims-related issues and escalations to ensure high customer satisfaction.
- Conducted induction and regular training sessions for Axis Bank branch staff, focusing on General Insurance products and their updates.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Relationship Manager- Team Handling Profile in Bancassurance
Cholamandalam MS General Insurance Co.Ltd.
Ghatkopar,Mumbai, Maharashtra
06.2010 - 12.2012
- Managed a team of 4 Officer Executives for New India Co-operative Bank, covering the Mumbai Subregion.
- Provided insurance services to the tied-up bank (New India Co-op Bank Ltd.), including execution of various marketing and outreach activities.
- Focused on lead generation by closely engaging with branch staff and effectively converting leads into business, while maintaining high-quality client service standards.
- Explained insurance products to customers based on their needs, including Health Insurance, Motor Insurance, Fire & Standard Perils Insurance, and Travel Insurance.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
- Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
- Utilized data-driven decision-making techniques to inform strategic planning processes and measure progress towards goals.
Relationship Manager in Bancassurance
Bajaj Allianz General Insurance Co.Ltd.
Andheri,Mumbai, Maharashtra
04.2007 - 05.2010
- Explain & Presenting Health Insurance product(Individual & Family Floater Plan) to the HDFC Bank Credit Card Holders.(From April 2007 to January 2009)
- Servicing the tied up bank. ( Mumbai Distric Co.Op.Bank,Ratnakar Bank ,Vasai Pragati Co.Op .Bank,Bassain Catholic Co.Op.Bank,J & K Bank, IDBI Bank & Yes Bank From January 2009-May 2010)) which includes:Maintain Relationship with Branch Head, Operations Head and Bank Staff,Provide training,Meet the customer generate the lead explain the products as per customer need basis like Mediclaim,Fire Insurance -Home/Factory/Office,Travel Insurance,Work men Compansation policy,Motor Insurance-Zero Depreciation Plan.
Education
Bachelor of commerce -
Mumbai University
Kalina Santacruz01.2007
HSC - undefined
Sathye College
Vileparle east, Mumbai01.2002
SSC - undefined
G.B.M.Highschool
Kurla west, Mumbai01.2000
Skills
Marketing
Sales
Microsoft Word, Excel, Power Point, Tally
MS-CIT passed-68%
Internet Applications
Typing : English -50@pwm -Passed-68% : Marathi -30@pwm -Passed-68%
Continue Learning in Advance Excel
Relationship building
Customer relationships
Excellent communication
Client engagement
Service support
Customer portfolio management
New business development
Product recommendations
Team leadership
Business relationship cultivation
Customer relationship management
Solution management
Client relationships
Financial advising
Analytical problem solving
Sales proficiency
Interests
Listening to music, Cricket, Comedy Movies
Timeline
Associate Circle Head-ACH(Branch Manager)
HDFC Life Insurance Co.Ltd
12.2024 - 11.2025
Senior BAM
TATA AIA LIFE INSURANCE CO LTD
01.2022 - 12.2024
Assistant Product Manager
REALNET Wealth Creation LLP
08.2019 - 01.2022
Senior Sales Executive -Team Handling Profile – Bancassurance & Affinity
Future Generali India Insurance Co. Ltd.
12.2018 - 08.2019
Relationship Manager in Bancassurance
TATA AIG General Insurance Co.Ltd.
12.2012 - 01.2018
Relationship Manager- Team Handling Profile in Bancassurance
Cholamandalam MS General Insurance Co.Ltd.
06.2010 - 12.2012
Relationship Manager in Bancassurance
Bajaj Allianz General Insurance Co.Ltd.
04.2007 - 05.2010
HSC - undefined
Sathye College
SSC - undefined
G.B.M.Highschool
Bachelor of commerce -
Mumbai University
Relationship Manager – Bancassurance& Affinity
STAR HEALTH AND ALLIED INSURANCE Co. Ltd.
Personality Traits
- Key Strengths:
- Excellent communication skills with a proactive and confident approach.
- Quick learner, highly dedicated, and committed to personal and professional growth.
- Optimistic, ambitious, and industrious with a strong drive to succeed.
- Thrives in challenging environments and enjoys problem-solving and troubleshooting.
- Strongly growth-oriented, consistently seeking opportunities for improvement and achievement.
- Good Communication skill, Quick learner, Dedicated, Committed, highly ambitious, optimistic & industrious.
- Likes challenges & enjoys troubleshooting problems & growth oriented.
Personal Details
- Date of Birth: 13th March 1983.
- Languages Known: English, Hindi, and Marathi
- Marital Status: Married.