Qualified CA / CS / CMA

About the Role

• Drive new business acquisition and revenue growth in the Employee Benefits business (Gratuity, Leave Encashment and Superannuation solutions) through proactive sales engagement with corporates, MNCs and SMEs.
• This is a B2B sales role for getting gratuity and leave encashment fund invested with Kotak Life Insurance.
• Requires extensive prospecting, client outreach, relationship building and consultative selling.

Key Responsibilities

• Business Development & Sales
• Proactively identify, research and approach prospective corporate clients for Employee Benefits solutions, including Gratuity, Leave Encashment, Superannuation and Group Life products.
• Generate business opportunities through outbound calling, networking, market mapping, referrals and relationship-building activities.
• Conduct meetings and presentations with senior leaders including CFOs, CHROs, Treasury Heads, Finance Controllers, Trustees and other key decision-makers.
• Develop a strong understanding of prospect organizations, industry trends, financial position and employee benefit requirements to create effective sales pitches.
• Drive the entire sales cycle from lead generation and prospecting to proposal submission, negotiation and closure.
• Design and recommend customized employee benefit fund structures aligned to client demographics, cash-flow requirements, risk appetite and regulatory considerations.
• Present fund performance, pricing rationale, actuarial assumptions and financial impact analysis to clients and prospects.
• Liaise with auditors, consultants, trust administrators and other external stakeholders during sales discussions, trust creation and implementation processes.
• Build and maintain long-term relationships with clients to drive renewals, retention and cross-sell opportunities.
• Work closely with Actuarial, Investments, Finance, Underwriting, Operations, Legal and Compliance teams for timely solution delivery and deal closure.
• Maintain accurate sales documentation, proposal notes, pricing justifications and audit-ready records.
• Monitor fund performance metrics, claims trends, persistency and servicing standards to enhance client experience and business growth.

Requirements & Tech Stack

• B2B sales
• Business development
• Client acquisition
• Financial statements analysis
• Balance sheets
• P&L accounts
• Ratios
• Interest rates
• ROI concepts
• Excel
• PowerPoint
• Financial analysis tools
• Capital markets understanding
• Investment products understanding
• Stock market functioning understanding

Qualifications

• Qualified CA / CS / CMA
• Strong financial acumen
• Ability to analyze corporate financials
• Confidence in interacting with auditors, consultants and senior corporate leaders
• Knowledge of Employee Benefits products, Gratuity Act, Income Tax provisions related to trust creation and fund management
• Consultative selling capabilities
• Negotiation capabilities
• Solution-structuring capabilities
• Ability to independently research target companies, identify decision-makers and create sales opportunities