Job Description (JD)
Role: Senior / Business Development Manager – SME Business
Location: Kolkata (Head Office)
Industry: Insurance Broking (General / Health / Commercial Lines)
Age Group: 32 – 45 Years
Experience: 7 – 15 Years (Relevant experience in SME / Commercial Insurance preferred).
Interested candidates may connect me at 8420363349 or may mail me at " [email protected]"
About the Role
We are looking for a high-performing and entrepreneurial Senior / Business Development Manager
to drive growth in the SME (Small & Medium Enterprises) segment.
The role involves identifying SME clients, understanding their business risks, and designing
customised insurance solutions across property, liability, employee benefits, and other commercial
lines.
This is a client-facing, revenue-generating role requiring strong relationship management,
consultative selling, and deep understanding of SME risk landscapes.
Key Responsibilities
1. Business Development & Revenue Growth
Identify, prospect, and acquire new SME clients across manufacturing, trading, services, and
emerging sectors.
Build and manage a strong pipeline of SME opportunities through direct outreach, referrals, and
networking.
Achieve assigned revenue, premium, and profitability targets.
Develop long-term client relationships to drive repeat business and cross-sell opportunities.
2. Client Need Assessment & Risk Understanding
Engage with SME promoters / finance heads to understand business operations, risks, and
exposures.
Conduct detailed risk profiling across property, liability, employee-related risks, and business
interruption scenarios.
Translate client needs into practical insurance solutions.
3. Solution Design & Advisory
Design customised insurance programs including Fire & Property, Marine & Transit, Liability
Covers, Group Health, Personal Accident, Engineering & Specialty Covers.
Work closely with insurers to structure competitive quotes and coverage terms.
Present solutions in a consultative and value-driven manner.
4. Relationship Management
Build strong relationships with clients, insurers, and internal teams.
Act as a trusted advisor and ensure high retention and satisfaction.
Manage renewals proactively.
5. Market Intelligence & Strategy
Track market trends, competitor offerings, and pricing benchmarks.
Identify emerging SME opportunities and provide insights to leadership.
6. Coordination & Execution
Coordinate with internal teams for seamless execution.
Support clients during claims and ensure compliance with IRDAI regulations.
Key Requirements
Experience & Background
7–15 years in insurance broking, agency, or corporate sales.
Experience in SME/commercial insurance preferred.
Proven business development track record.
Skills & Competencies
Strong consultative selling skills.
Understanding of SME risks and insurance products.
Excellent communication, negotiation, and presentation skills.
Ability to build CXO-level relationships.
Entrepreneurial mindset with high ownership.
Educational Qualification
Graduate in any discipline (MBA preferred).
III / IRDAI certifications are an advantage.
Key Performance Indicators (KPIs)
New SME client acquisition.
Premium / revenue generation.
Client retention ratio.
Cross-sell / upsell performance.
Conversion ratio of leads.
What We Offer
Opportunity to work with a leading insurance broker in SME segment.
High-growth, performance-driven environment.
Exposure to diverse industries and risk profiles.
Competitive compensation with incentives.
Ideal Candidate Profile
Strong network in Kolkata SME ecosystem.
Ability to translate business problems into insurance solutions.
Balanced sales and advisory mindset.
Focus on long-term client relationships.
Closing Note
If you believe in creating real value for businesses through thoughtful risk protection, and want to be
part of a growing, purpose-driven insurance ecosystem, we would love to connect with you.
Pay: From ₹400,000.00 per year
Work Location: In person
