Job Description

:Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JDBusinessHealth InsuranceUnitAditya Birla Health Insurance Company LtdLocationThane, G CorpPoornata Position Number of the job11BReports to: Poornata Position Number371268Poornata Position Title of the jobSales TelecallerReports to: Poornata Position TitleTeam Leader xe2x80x93 SalesFunctionContact CentreReports to: FunctionContact CentreDepartmentContact CentreReports to: DepartmentContact CentreDesignation of the EmployeeSales TelecallerDesignation of the ManagerChief ManagerDate of writing/updation of JD12-01-20221) Job Purpose: Write the purpose for which the job exists (in 2-3 lines)The purpose of the job is to cross sell/Sell Health Insurance to prospective customers over digital platform by building awareness about the brand & product awareness and resolving customer doubt/queries.2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.ParametersProductivity: - 50 Calls a dayConversion: Target basedQuality xe2x80x93 90%3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/SectionAbout the Health Insurance Industry xe2x80x93While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them.Market Opportunities xe2x80x93 With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as intentions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company.About the Aditya Birla Health Insurance xe2x80x93Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016.ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of xe2x80x9cHealth Insurance for Allxe2x80x9d, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customerxe2x80x99s experience of our proposition is continuous and seamless.ABHIxe2x80x99s unique offering to market includes proposition includes -

• A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy
• A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1
• ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products.
• ABHICLxe2x80x99s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees.

Key Challenges for the role xe2x80x93

• Sales Conversion (Explain):- Answering phones and explaining the product and services offered by the company.
• Contacting existing customers as well as prospective customers using scripts.
• Obtaining customer information and other relevant data.
• Asking questions to the customer and understanding their specifications.
• Resolving queries and issues related to the products and services.
• Making personalized tracking of all the sales phone calls and sales deals and taking accountability of individual customerxe2x80x99s. xe2x80x93 Followup and closelooping
• Taking and processing product orders in a professional manner till payment.
• Maintaining the database of the customers on a regular basis and rigorous follow-up until closure of deal.
• Suggesting solutions based on customerxe2x80x99s needs and requirements
• Adhering to companyxe2x80x99s shift timings, break adherence and maintaining a professional sales attire at all times
• Selling individual policies as per distance maintaining guidelines and adhering to scripts as per Risk and Legal inputs. xe2x80x93 No Misselling Involved
• Maintain high average productivity
• Ensure healthy average call time at desired conversion percentage
• Managing communication to customer i.e. misinformation about the product/misselling
• Objection Handling

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)Key Result AreasSupporting ActionsGWP TargetsMeet monthly, Quarterly and Annual topline targets.Maintain the desired product mix.Conversions Rates

• Achieve desired conversion ratios per leads assigned

Adherence to Sales process

• Maintain a tracker of various calls and report on daily basis. Ensure accurate records are accurately updated

• Use of digital tools like Sales application to achieve the organization objective of maximum digitization.

Compliance

• Compliance to distance marketing and other regulatory guidelines.

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)Nil6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectivesRelationship TypeFrequencyNatureInternalNilNilNilExternalNilNilNil7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.CSE xc3xa0 Team Leader xc3xa0 DCM xc3xa0 VP xc3xa0 CFO xc3xa0 CEOSIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.Job HolderReports to xe2x80x93 ManagerNameSignature (needed for the hard copy)

Aditya Birla Group