Bharat Harad

Insurance sales and operations professional with 11+ years of experience across general, health, motor, and travel insurance, including 4+ years in branch and cluster management. Track record of leading multi-branch sales teams, driving renewal and new-business revenue, and building broker/RM partnerships. Proficient in Power BI, Advanced Excel, SQL, and Tableau for sales and portfolio analysis.

Sales Manager - Bajaj General Insurance - Mumbai, Maharashtra

(2025-07)

• Manage the end-to-end sales pipeline to maintain a consistent flow of business and meet monthly and quarterly sales objectives.
• Lead a sales team through strategic planning and resource allocation to achieve quarterly revenue targets.
• Prepare and present detailed sales activity, revenue, and market-penetration reports for senior management review.
• Develop new business partnerships to drive customer acquisition and expand revenue streams.

Cluster Manager - Care Health Insurance - Thane, Maharashtra

(2023-11 - 2025-07)

• Managed sales and operations across a cluster of 17 branches, supervising branch teams to meet business targets.
• Drove sales of health and travel insurance products through direct and channel-partner engagement.
• Conducted outbound calling campaigns on renewal data to improve policy retention rates.
• Processed policy data entry through the insurance portal to issue online policies accurately and on time.
• Conducted customer meetings independently and jointly with Relationship Managers to close new business.

Branch Relationship Manager - Kotak Mahindra General Insurance - Thane, Maharashtra

(2022-07 - 2023-10)

• Managed 1 cluster spanning 10 branches (8 main and 2 sub-branches), overseeing sales performance and operations.
• Sold health, motor, and fire insurance products to individual and corporate clients.
• Executed renewal calling campaigns to strengthen customer retention.
• Processed online policy issuance through the insurance portal with a focus on accuracy and turnaround time.

Back Office Executive - Bipin Nagda Insurance Agent - Mulund, Maharashtra

(2021-04 - 2022-06)

• Administered agency back-office software for policy data entry and record management.
• Supported sales of health, motor, and fire insurance products.
• Conducted renewal calling and processed online policy issuance through the insurance portal.

Assistant Manager - Axis Bank Ltd. - Titwala, Maharashtra

(2018-06 - 2020-07)

• Opened current and savings accounts, meeting branch acquisition targets.
• Cross-sold life and general insurance products to the retail banking customer base.
• Opened Demat accounts and sold additional banking and investment products.

Senior Executive, Personal Loan Department - ICICI Bank Ltd. (through I-Process Services India Pvt. Ltd.) - Thane, Maharashtra

(2014-02 - 2018-05)

• Advised prospective customers on personal loan products, eligibility, and documentation requirements.
• Collected and verified customer documentation and processed loan file login.
• Conducted market research and outreach activities to generate loan leads.

Senior Engineer - Shree InfoTech Computers - Kalyan, Maharashtra

(2011-04 - 2013-03)

• Installed and configured operating systems including Windows XP, Windows 7, Windows Vista, and Server 2003/2008.
• Set up internet connection sharing, remote control services, network meetings, and shared network printers.

Bachelor of Commerce - Commerce - L. D. Sonawane Arts, Science and Commerce College (2014)

Undergraduate Studies - M. K. School and Jr. College (2009)

SSC - A. V. M. M. School (2007)