Brijesh Kumar Agarwal

Assistant Vice President Sales, Distribution & Digital Transformation

About

Insurance Business & Digital Platform Leader with 20+ years of experience across General Insurance, Motor, Health, SME & Commercial Lines.I operate at the intersection of:• Business & P&L Ownership• Product Ownership & Platform Governance• Digital Transformation & API Ecosystems• Distribution & Revenue StrategyI have led INR 150+ Cr P&L portfolios while driving scalable platform modernization across insurer and broker ecosystems.Executive Focus Areas:• Revenue & P&L Leadership• Insurance Platform Product Ownership• Digital & API Ecosystem Transformation• Distribution & Broker Strategy• Agile Program & Governance LeadershipMy leadership integrates commercial strategy with structured product execution — aligning underwriting, sales, operations, finance and technology into unified operating models. I specialize in translating insurance domain complexity into scalable, technology-enabled operating models.Key Impact Delivered✔ INR 150+ Cr annual GWP ownership✔ 1000+ partner distribution ecosystem governance✔ 50% issuance TAT reduction via automation✔ 50% reduction in manual underwriting intervention✔ INR 24 Cr+ incremental GWP through API integrations✔ 30% digital channel growth✔ Led 50+ cross-functional managers across multi-location teamsCore Expertise • Product Roadmap Strategy & Platform Governance• BRD / FRD / Epics / User Stories / UAT Leadership• API-led Sales → UW → Ops → Finance Integration• Rule Engine & STP Issuance Model Design• CRM-driven Renewal Governance & Forecasting• Agency, Broker, Banca, OEM & Digital Aggregator Expansion• Underwriting Alignment & Profitability Governance• Enterprise Risk Placement & Commercial Portfolio Structuring• Operating Model Design & Portfolio Strategy• Enterprise Governance & Risk AlignmentI collaborate closely with CXOs, underwriting, actuarial, sales and engineering teams to build commercially viable, scalable insurance platforms.Open to leadership mandates across Insurance Business Head, Product Platform Leadership and Digital Insurance Ecosystem roles (India & Global).

Country

India

City

Pune Division

Industry

Insurance

Skill

Product ownership, PnL Management, Digital Insurance Platforms, Business Analysis, Digital Transformation, Agile & Scrum, Underwriting, Multi-channel Retail, General Insurance, Insurance Domain (P&C / Motor / Health), Insurance Operations, Stakeholder Management, Property & Casualty Insurance, Insurance, UAT Coordination, Requirements Gathering, Product Management, Risk Management, Cross-functional Collaborations, Gap Analysis

Experience

Assistant Vice President Sales, Distribution & Digital Transformation

IRDAI-Licensed General Insurance Broking Firm (Confidential)

2026-1 - Present · 9 mos

India

Lead General Insurance portfolios across Motor , Non Motor and Health lines with accountability for revenue growth, servicing governance and digital enablement. Business & Distribution Leadership • Drive enterprise risk placement & renewal governance • Strengthen broker–insurer underwriting alignment • Govern compliance aligned with IRDAI regulations • Improve revenue predictability via CRM-led forecasting Product & Digital Transformation • Implement API-based insurer issuance integrations • Redesign AS-IS → TO-BE servicing workflows • Translate business requirements into structured functional documentation • Strengthen digital servicing governance and automation • Architecting multi-insurer API integrations enabling scalable digital issuance models Impact: 20% servicing TAT reduction | Improved renewal predictability | Enhanced underwriting efficiency through API integration

Zonal Head – Sales, Distribution & Product Transformation | Product Owner

Magma General Insurance Limited

2017-11 - 2025-12 · 8 yrs 2 mos

India

Dual mandate: INR 150+ Cr P&L Ownership + End-to-End Product Governance Business & Commercial Leadership • Owned INR 150+ Cr annual GWP across Motor, Health, SME & Commercial lines • Led 50+ managers & governed 1000+ distribution partners • Designed zonal profitability, incentive & growth frameworks • Partnered with CXO leadership on pricing & underwriting alignment • Led strategic digital partnerships including PolicyBazaar, InsuranceDekho & Turtlemint driving incremental GWP growth Product Ownership & Platform Governance • Defined multi-year product roadmap aligned to commercial growth • Authored BRDs, FRDs, Epics, User Stories & Acceptance Criteria • Led backlog prioritization, sprint planning & release cycles • Integrated Sales → Underwriting → Operations → Finance via APIs • Designed rule-engine automation enabling STP issuance • Led UAT governance, production rollout & defect management • Reduced defect leakage by 5% through structured UAT governance • Enabled scalable API-based integration architecture supporting multi-channel distribution • Implemented KPI dashboards for issuance TAT, conversion & UW leakage • Operated within Agile/Scrum delivery frameworks across cross-functional squads • Leveraged performance analytics to optimize pricing alignment, conversion ratios and underwriting efficiency • Designed scalable platform workflows supporting multi-channel distribution growth Digital Transformation Outcomes • 50% issuance TAT reduction • 50% underwriting manual intervention reduction • INR 2 Cr/month incremental GWP via broker API integrations • 30% digital channel growth Enterprise exposure: Serum Institute | Zenovel Pharma | Bhilai Engineering | Clinitha Research

Cluster Head – Sales & Digital Programs

Bajaj General Insurance

2016-8 - 2017-11 · 1 yr 4 mos

Pune/Pimpri-Chinchwad Area

• Led Motor & SME distribution growth • Owned functional product governance for digital underwriting programs while leading regional commercial growth. • Created FRDs, workflows, user stories & functional designs • Led UAT cycles & national rollouts across 45+ locations • Built banca ecosystems (Yes Bank, Federal Bank, IDBI, RBL, Canara Bank) • Implemented governance dashboards improving productivity & retention

Senior Manager – Broking Operations & Platform Governance

AU INSURANCE BROKING SERVICES PRIVATE LIMITED

2015-8 - 2016-7 · 1 yr

Pune

• Owned issuance, endorsements, renewals & claims coordination • Translated broker-insurer requirements into structured user stories • Led sprint ceremonies & cross-functional governance • Improved SLA predictability through process redesign

Branch Manager – Sales & Distribution | Agency, Banca & OEM Alliances | Operations

ICICI Lombard

2012-10 - 2015-8 · 2 yrs 11 mos

Maharashtra

• Led multi-city branch operations • Expanded Agency & OEM motor alliances • Strengthened underwriting & operational alignment • Improved retention, productivity & portfolio profitability

Manager – Insurance Operations | Corporate Underwriting | Risk & Claims Management

Bhilai Engineering Corporation Limited, Bhilai

2010-11 - 2012-9 · 1 yr 11 mos

Chattisgarh

• Managed corporate portfolio across Property, Engineering, Marine & Motor • Strengthened exposure analysis & risk frameworks • Negotiated proposals optimizing coverage & pricing

Senior Manager – Sales & Partnerships

Generali Central Insurance

2008-3 - 2010-11 · 2 yrs 9 mos

Pune/Pimpri-Chinchwad Area

• Led multi-channel Life & General Insurance distribution • Managed corporate partnerships & alternate channels • Improved multi-line productivity & retention

Deputy Manager – Sales & Distribution | Agency Expansion | Corporate Partnerships

Reliance General Insurance

2006-6 - 2007-11 · 1 yr 6 mos

Pune/Pimpri-Chinchwad Area

• Expanded agency & motor portfolio across districts • Drove partner onboarding & channel activation

Education

Insurance Institute of India

Insurance

2016-7 - Present · 10 yrs 3 mos

(IC-27) Health Insurance (Life/General Branch CP 30) (IC-45) General Insurance Underwriting (General Branch CP 30) (IC-46) General Insurance Accounts Preparation and Regulation of Investment (General Branch CP 30) (IC-72) Motor Insurance (General Branch CP 30) (IC-74) Liability Insurance (General Branch CP 30) (IC-78) Miscellaneous Insurance (General Branch CP 30) (IC-86) Risk Management (Life/General Branch CP 40)

Dr. Babasaheb Ambedkar Marathwada University, Aurangabad

Marketing & HR

1999 - 2001 · 2 yrs

Pt. Ravishankar Shukla University, Raipur

Government; Science and Commerce

1996 - 1999 · 3 yrs

Insurance Institute of India

2015-12 - Present · 10 yrs 10 mos

(IC-01) Principles of Insurance (Life/General Branch CP 20) (IC-11) Practice of General Insurance (General Branch CP 20) (IC-14) Regulation Insurance Business (Life/General Branch CP 20)