Seasoned leader driving revenue growth and cost efficiency through strategic planning, operational excellence, and digital transformation. Built and led cross-functional teams to scale new business verticals and streamline sales and marketing processes, improving productivity and reducing costs. Applied data-driven decision making to align operations with corporate objectives and deliver measurable results.
Hi, I’m
Vikash Aggarwal
Mumbai
Summary
Overview
24
years of professional experience
1
Certification
Work History
Reliance General Insurance Ltd
Vice President - Digital Sales & Digital Agency
03.2022 - 11.2025
Job overview
- Provided strategic leadership for 400+ employees across 5 call centers, driving digital sales and client service excellence to deliver ₹100 Cr annual revenue.
- Spearheaded multi-channel digital marketing strategy, optimizing SEM, performance marketing, and analytics to drive 75% growth in website traffic and boost customer engagement.
- Managed a website midlife upgrade, driving SEO improvements via refined page content, design, and user journeys to enhance customer experience and achieve higher search rankings leading to 2x conversion rates.
- Created and deployed a Tele Dashboard (CRM tool) to equip tele-callers with centralized product details, competition insights, and customer dispositions, enabling improved communication and faster conversions.
- Implemented an omnichannel strategy integrating digital platforms, performance marketing, and real-time Google Analytics to deliver seamless customer journeys, improve engagement, and drive higher conversion rates.
- Improved customer retention rates by 1.5x through targeted engagement strategies and data-driven lifecycle management.
- Led cross-selling and policy density initiatives, leveraging digital engagement strategies to maximize customer value, strengthen portfolio penetration, and drive sustainable growth.
- Improved persistence rate of offline distribution channels by 25% through targeted retention initiatives and process optimization.
- Developed and rolled out an innovative product variant, 'Pay as You Drive,' to capture new market segments and boost the motor portfolio by 20%.
- Launched a new distribution channel, Digital Agency,' aligned with insure-tech models, driving ₹30 Cr+ in sales over a span of 3 years and expanding cost efficient digital insurance reach.
- Built a Pan-India network of 15,000 agents and POSPs through digital acquisition, driving consistent 15% monthly activation.
- Designed and implemented an outbound calling strategy with strong governance controls, ensuring adherence to regulatory standards and proactive risk management within digital sales frameworks.
- Optimized product portfolio and effectively managed P&L through strategic cost controls and operational efficiency initiatives, ensuring budget adherence.
Reliance General Insurance
National Sales Head - Smart Markets
05.2016 - 02.2022
Job overview
- Spearheaded the launch of a new vertical with a virtual office model targeting rural markets, achieving ₹300Cr+ in sales through strategic leadership and effective market penetration.
- Scaled operations to 800+ locations and established standardized processes, driving operational excellence, improving cross-functional coordination, and reducing discrepancies across the network.
- Converted 10% of high-performing virtual offices into physical branches, aligning with active distribution channels including agents, OEMs, and bancassurance partners to strengthen market presence and multi-channel scalability.
- Collaborated with IT to design and launch an integrated sales application enabling end-to-end policy issuance supporting a one-person virtual office model.
- Established a nationwide network of 10,000+ agents and POSPs driving scalable growth and ensuring consistent activation of 35% across all zones.
- Developed a branch classification model for all Bancassurance partners (4500 bank branches) to prioritize high-potential locations, driving deeper penetration and improved rates.
- Enhanced penetration within OEM insurance partnerships (600+ dealers) by implementing targeted portfolio strategies for improved channel performance.
- Recruited and onboarded key sales leaders nationwide, driving market penetration in rural and semi-rural segments through digital solutions, data-driven coordination, and operational efficiency.
- Streamlined product portfolio and managed P&L through strategic cost optimization and operational efficiency, ensuring financial discipline and sustainable profitability.
Reliance General Insurance
Segment Head - Retail Strategy (Sales Operations, Manpower & Retention)
10.2013 - 04.2016
Job overview
- Spearheaded the design and implementation of streamlined sales processes, enhancing operational efficiency and reducing sales cycle time by 20% through strategic leadership ensuring continuous improvement.
- Automated the policy issuance process by replacing manual cover notes and drove adoption (100% adoption) of the new system across all sales departments, improving efficiency and standardization.
- Designed and implemented a Retention Management System, driving adoption across sales teams to enable policy-level tracking and improve retention performance.
- Streamlined MIS reporting systems for monthly, quarterly, and annual cycles, enabling accurate, timely insights that supported management in quick, data-driven decision-making and strategic planning.
- Developed and implemented KPI frameworks and performance rating systems for retail sales, driving continuous improvement and enhancing employee performance and motivation.
- Orchestrated the launch of more than 50 branches throughout India, driving increased regional engagement and customer acquisition through digital strategies.
TATA Aig General Insurance
Sales Lead - Direct Business
05.2013 - 10.2013
Job overview
- Drove significant business growth by leading 200 employees, managing a ₹5 crs revenue portfolio increasing cross-sell by 10% year on year, and reducing Cost of Acquisition by 20% quarterly.
ICICI Lombard General Insurance
Product Manager - E-channel
09.2009 - 05.2013
Job overview
- Championed a high-performing team of 80, driving a ₹4 crs revenue portfolio and setting the benchmark for retention across the company.
AEGIS BPO Service Ltd
Sr Operation Head - BFSI vertical
05.2006 - 09.2007
Job overview
- Led a team of 9 leaders and 120 tele callers, managing client relationships, conducting quality checks, and delivering productivity reports to ensure high service standards.
HDFC Bank LTD
Assistant Manager - CASA
01.2004 - 04.2006
Job overview
- Led 60+ sales professionals, delivering ₹14.6M in float balances and driving top performance across South Mumbai.
CADBURY INDIA LTD
Senior Sales Manager
09.2001 - 12.2003
Job overview
- Led 20-member team in Maharashtra, driving 235% sales growth and ₹80 Lakhs annual revenue.
Education
Aston UniversityBirmingham, United Kingdom
MBA from International business
03.2009
University Overview
MMK CoolegeMumbai, India
B.Com from commerce
03.2001
University Overview
Bombay Cambridge SchoolMumbai, India
SSC from undergraduation
03.1996
University Overview
Skills
- Team leadership
- Relationship building
- Decision-making
- Critical thinking
- Client relationship building
- Strategic planning
- Business development
- Results-driven
- Operations management
- Process improvement
- Data analysis
- Sales leadership
- Financial management
- Cross-functional team leadership
- Performance monitoring and evaluation
Certification
- Attract and Engage Customers with Digital Marketing, Google
- Foundations of Digital Marketing and E-commerce, Google
Languages
Languages: English, French, Hindi, Marathi
Timeline
Vice President - Digital Sales & Digital Agency
Reliance General Insurance Ltd
03.2022 - 11.2025
National Sales Head - Smart Markets
Reliance General Insurance
05.2016 - 02.2022
Segment Head - Retail Strategy (Sales Operations, Manpower & Retention)
Reliance General Insurance
10.2013 - 04.2016
Sales Lead - Direct Business
TATA Aig General Insurance
05.2013 - 10.2013
Product Manager - E-channel
ICICI Lombard General Insurance
09.2009 - 05.2013
Sr Operation Head - BFSI vertical
AEGIS BPO Service Ltd
05.2006 - 09.2007
Assistant Manager - CASA
HDFC Bank LTD
01.2004 - 04.2006
Senior Sales Manager
CADBURY INDIA LTD
09.2001 - 12.2003
MMK Coolege
B.Com from commerce
Bombay Cambridge School
SSC from undergraduation
Aston University
MBA from International business