Sk. Kamrul Allam Bharat has over 19 years of experience in operations management, branch sales, and customer service for life insurance companies. He is currently the Regional Manager of Branch Operations at Reliance Life Insurance, overseeing 32 branches across two regions in Odisha, India. In his career, he has consistently achieved sales targets and improved business performance through strategic planning, team leadership, and process improvements.

1. RESUME
Sk. Kamrul Allam Bharat
Regional Manager – Branch Operations
Reliance Life Insurance Co. Ltd
Bhubaneswar, Odisha, India
E Mail – kamrul.bharat@gmail.Com
Contact No: +91 9338807007 (M)
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Objective:
Looking for a middle management position in Operations & Sales management at Regional Head Level.
Professional Summary :
19 years of experience in the field of Business Operations, Branch Sales and Customer Service Management mostly in Life
Insurance Industry. Strong track record of being at the top in both leadership and non-leadership market situation by converting
every opportunity into success and commercialize all aspects of business to drive the business growth & profitability. Proven track
record of leading Start-ups and turn around Non-Profitable operations.
Highly skilled in driving high-value Branch Sales, Renewal , Service management Revenue, Profit and Cost savings plans,
Managing P&L & Cash flow and thereby delivering both top and bottom lines of business.
Self-driven and self- reliant, sets aims and targets and leads by example.
In my career I have partnered with brands like Sun Electronics ( Manf. Exide Inverter) Cannon , Bajaj Allianz and Reliance Life.
CORE STRENGTH
• Leadership - Leading, Mentoring and Developing winning teams
• Innovative & Enterprising
• Strategic & Tactical
• Leading Start-ups & New Projects
• Business Development
AREAS OF EXPERTISE
• Turn around Non- Profitable Operations
• Business Operations
• Branch Sales, Total Renewal Collections
• Revenue & Cost Management
• Building Profits
• Claim management
• Customer Service
BRIEF OVERVIEW :-
• Turnaround expert and can deliver in both leadership & non-leadership market situations.
• As a RM ( O) strong cross functional exposure of Sales, Customer
Service, Finance, HR Operations , Supply chain, and Technology Operations.
• A leader with an ability to build, develop, mentor, and lead result-oriented teams.
• Achievement oriented and seamless execution of the agreed plans is my passion.
• Strong believer of Excellence in Fundamental & Basics with Innovative approach.
• An enterprising and creative thinker, with a commercial eye, to ensure profitability.
• Strong experience of managing different types of Business Vertical (Operations , Service and Branch Sales )
. Ensuring top line / bottom line of my territory.
• Strong project roll out experience and ability to setup Operations within time limit to achieve
business goals.

2. WORK EXPERIENCE :-
Reliance Life Insurance Co Ltd : From 21st
July 2006 to till date – Nearly 10 Years
Job Profile : Regional Manager - Operations & Zonal SPOC ( BOJ ) for Branch Sales Business Drive.
Currently I am looking after Entire Odisha State which includes 32 Branches of 2 Sales Region ( Cuttack Region & Sambalpur
Region )
I lead a team of 48 CCEs, 25 Retention Runner, 3 Telecallers, 3 Dy. Managers & 2 Asst. Managers .
I am Responsible for co-ordinating with different Sales Channels of RLIC and ensure their smooth & quality
operations in the entire State.
Branch Operations Responsibilities:
• Ensuring smooth functioning of all Hubs/ Clusters in terms of New Business processing i.e. initial form scrutiny, docs
checking (AML / KYC – Should be as per norms) & verification, policy login & receipting and policy kit printing &
handover with zero process error.
• Analysis & follow up of all NB reports of branches on daily basis.
• Conducting Audit of petty cash daybook of branches during personal visit on fortnightly basis.
• Review and analysis of Quality Reports. Responsible to maintain Quality Scores of branches above 98% in all parameters.
• Coordination of smooth relations with Sales Force, Corporate Office & other Departments for better functioning.
• ARF Login to licensing process along with CFR management for new advisor generation.
• Ensuring PIVC, sample checking to establish correct contactability within TAT in all Branches as per the defined process.
• Ensuring all Customer Services processing on the same day.
• Ensuring HNI Cases to be processed on Top Priority.
• Ensuring proper process flow of Imprest and Vendor management.
• Preparing branches for Internal , External Audit & ensuring target score achievement in Audit.
• Ensuring compliance to BPMS Process and achievement of target scores in surprise audits.
• Control of branches through analysis of HO- MIS on a regular basis.
• Renewal Target Achievement for all my Branches for all Channels. YTD 100%
• 13 month Persistency Improvement in all my Branches & channels.
• Surrender Retention in all my Branches. Target > 10%
• Quality Lead generation for DM BSC Business.
• Monthly Training & Performance analysis of individual team member & Action Plan for weak areas.
Zonal SPOC for DM Branch Sales Channel - BOJ Zone ( 97 branches) :
• Zonal SPOC for BOJ Zone ( 97 branches & 16 A/BSM’s & 2 ROMs) for quality Lead Generation, Lead Target & Business
Target achievement on MOM Basis.
• Working extensively with senior management & Corporate office on strategic planning, process transition, staffing, knowledge
management and training to ensure the highest standard of delivery for the zone & implementation post ZOM’s approval.
• Achieved 105% business target in 2014, 112% business target in 2015 , 119.29% business target in 2016.
Customer Retention / Persistency:
• Preparing focused strategies & contests for better customer retention & their implementation for effective renewal collection.
• Monitoring day to day Renewal Target V/S achievement of branches for persistency & implementing the designed & required
strategies & contests for improvement.
• Publishing the report & improvement measures, Branch / SM Wise on weekly basis.
• Monitoring the intimation calling done by Executives to the customers for renewal dues.
• Monitoring all other activities running for better collection & contactibility, parallel to the follow-up with customers / advisors.
• Conversion of all customers to pay the renewal, which are coming for surrender of policy.
• Renewal Achievements 2013 – 75%, 2014 – 96%, 2015 – 99.8% , 2016 –102.7%
• 13th
Month Persistency Achievements 2013 – 55% 2014 – 57.73%, 2015 – 63.54%, 2016 – 64.23%

3. Team Management & Development:
• Monitoring individual & Team performance & take steps to improve productivity and correct deviation.
• Arranging training to Sales & OPS both about underwriting, form filling, product guidelines , Doc’s, Latest processes & other
updates for their grooming & better understanding.
• Ensuring the productivity of Branches as per the expectation of the company by planning activities for team, identification of
training needs & measurement of actual implementation of process & customer satisfaction.
• 2014 Performance : Out of 48 OPS Executive, 7 ranked Top 100 PAN India & 9 Ranked in Top 200 PAN India.
• 2015 Performance : Out of 48 OPS Executive, 2 ranked NO 1 in PAN India & 6 ranked in Top 100 PAN India.
• 2016 Performance : Out of 48 OPS Executive, 10 ranked NO 1 in PAN India & 6 ranked in Top 100 PAN India.
Customer Service:
• Monitoring & Analysis of all Customer Service Calls logged in ECRM by branches for both Centralized & decentralized
buckets.
• Drive constant process improvement, metrics and Service Level Agreements (SLAs) & ensuring all customer issues resolved
within TAT.
• Trying to convince the customers where the request is taking more time then the defined SLA.
• Keeping regular check on customer feedback forms to ensure greater customer satisfaction.
Compliance Audit and Risk (CAR):
Internal Audit –
• Working as internal auditor, conducting half yearly audit on branch processes & guidelines for other branches in region &
providing assurance to the management that risks are managed effectively.
• Ensuring compliance with rules and regulations. & pursuing monthly legal & compliance reports for various branches & Seek
Compliance report completion from respective Branch Managers.
• Maintenance of statutory requirement, timings, discipline (as per the guidelines) and compliance for better realization.
Risk Analysis –
• Identifying possibilities of threats exploiting vulnerabilities, then analyzing them and initiating risk mitigation plans.
• Investigations of Mis-selling, whistle blowing instances, Sample calling to all New login cases.
• Legal Representation for various cases at Court & representation in front of IRDA Ombudsman cell on the behalf of company.
• Filtering Fraud cases (Tracker) at my end & sending the filtered one to Zonal Risk Manager for my cluster.
Administration:
• Taking care of all escalated matters of branches pertains to branch connectivity, asset management, vendor management,
branch maintenance, asset allotment & any issue raised during audit of assets.
• Coordination with H.O for setting up new branches.
Finance:
• Monitoring & verifying financial transactions done by branches.
• Approving imprest bills raised by branches.
• Doing audit of petty cash day book of branches on fortnightly basis.
• Vendor Selection & Management for Guard services, Courier, Housekeeping, Inverters, Photocopier, Printer, Cash/Cheque
pickup & banking & AMC for AC’s & Gensets keeping costing factor in consideration. Ensure to release the vendor payment
from HO on time.
HR:
• Monitoring E-joining, E-attendance, Leaves, employee motivation & incentive plans in support of employee retention.
• Ensuring all joining process should be carried out at branches without any discrepancy & error.
• Ensuring Emp. ID’s creation, ID Card, employee portal & ID of all required applications should be generated in time.

4. Achievements :
• Outstanding Performance & Contribution in the domain of New Business for the period of Oct’06 to Mar’07 by COO &
RBH
• Awarded for active support towards branch setup by Head – CDA.
• Winner of “August Vijeta” Operations contest by President & Head – Branch Operations.
• Winner of” March Ahead” Operations contest by Head – Branch operations & ZBH
• Awarded as Top Performer in Express Issuance Contest Nov’10 by Head – Branch Operations, Executive Director &
President.
• Awarded as “Retention Super Achiever” for outstanding performance in Renewal Target achievement Apr- Oct 2010 by
Head Sales Support & Business Retention, and ZBH.
• Awarded for Runners up in BOJ renewal champ by ZOM & Head – Branch Operations.
• Winner of “Chairmans Quality Award 2011 – 12” by Executive Director & President, Head Business Excellence.
• Awarded as Outstanding Performance in the Branch Ops KPI Dashboard at Zonal Level for Q1 FY15.
• Awarded for Outstanding Performance in the “Champions of March” Operations contest in 2010 – 11 by Head – Branch
Operations, President & Executive Director.
• Awarded for Outstanding Contribution to the Direct Marketing Team – Pattaya – May’15 by Head Direct Marketing &
Head Branch Operations & Business Retention
• Awarded for Remarkable Performance in “ March Towards Greatness” contest in FY15 by Head Direct Marketing &
Head Branch Operations & Business Retention
• My Team is in Position in OPS Dashboard :
2011: 15th
Rank PAN India
2012: 29th
Rank PAN India
2013: 38th
Rank PAN India
2014: 31st
Rank PAN India
2015: 1st
Rank PAN India
2016: 1st
Rank PAN India
Bajaj Allianz Life Insurance Co. Ltd. 16th
Nov 2004 – 20th
July 2006
Designation: Customer Care Executive
Responsibilities:
A. Process Related
• Scrutiny of all application forms along with the supportive documents.
• Follow up for issuance of Policies with UW.
• Follow up for Requirements of the Branch both with SM and HO for the closure of the same
• Follow up for the issuance with NB team for the Branch within the TAT
• MIS statement, tracking and resolution as per process.
• Managing Advisor Requirement Process in Coordinating with III.
B. Client Related
• Handling client queries.
• Sending all documents properly for quick settlement of claim.
• Receiving customer service request and follow up for the closure of the same.
• Managing PS Dept. Fund Switch/ Top Up/ Premium Re-direction/ Freelook cancellation/ Partial/Full Surender
Processing Etc.
C. Advisor Related
o Maintaining MIS of Recruitment of Advisors and their subsequent Licensing for the branch.
o Sending the Documents to HO for recruitment of advisor for the branch.

5. o Handing the commission cheques of the advisors.
o Follow up for the code generation with RO within TAT
D. Medical Related
o Coordinating with new Medical Service Provider for approval from H.O
o Sending Medical Report of the Client to H.O for underwriting
Orican (Auth. Service Partner of Canon India Pvt Ltd) April 2002 to October 2004
Designation: Customer Support Executive
Responsibilities:
• Taking care all the Canon Photo Copier Machines in our Annual Maintenance Contract
• Providing Service to Photo copier Machins through out Orissa
• Proper Call distribution among all the Engineers.
• Maintaining all spare Stocks.
SUN Electronics pvt. Ltd Sep 1996 – Mar 1999
Designation: Service Engineer for Exide Inverter Manufacturing & Servicing
Responsibilities :
• Manufacturing Exide Inverters
• Checking all quality aspects of Inverter Performance
• Servicing of Inverters in Fields.
Qualifications : -
Degree / Courses University / Collage / School Year Of Passing
MBA in Operation Management &
Risk &Insurance Management
National Institute of Management 2009
Adv Diploma in Network
Management
Central Tool Room Training Centre,
Bhubaneswar
2004
Electronics & Telecommunication
Engg.
IMPACT Eng. College, Balgalore 1997
Personal Details
Date of Birth: :01st
June 1976
Martial Status: :Married
Languages Known: :English, Hindi, Oriya
Address: :VIM – 705, Sailashree Vihar, Chandrasekharpur, Bhubaneswar,
Dist- Khurda, Odisha , PIN – 751021, India
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Place : Bhubaneswar Sk. Kamrul Allam Bharat

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