Sundararaman Raman

Seasoned Bancassurance Sales Leader with 11 years of experience across ICICI Prudential Life, Aditya Birla Sun Life, HDFC Life and Bajaj Life. Proven expertise in leadership, channel sales, relationship management, business development and revenue growth. Skilled in managing multi-branch operations, driving branch activation, handling HNI clients, coaching sales teams and building strong partnerships with banking stakeholders.

Strong capabilities in sales strategy, team management, financial planning, objection handling, compliance and operational excellence. Consistently recognized for improving team performance, expanding business opportunities and delivering sustainable growth. Currently seeking a leadership role with broader channel ownership and strategic responsibilities.

SENIOR AREA MANAGER - BAJAJ LIFE INSURANCE LIMITED - Chennai

(2024-11)

Bancassurance - Partnering with Federal Bank (Retail and Emerging Branches)

• Achieved ₹1.53 Crore business in FY 2025–26 while maintaining 100% 13th Month Persistency.
• Managed 22 branches and led a team of 7 members across the Chennai region.
• Drove revenue growth through joint customer calls, HNI acquisition, relationship management and strategic partner engagement.
• Enabled consistent target achievement through branch activation, sales coaching, training programs and performance-driven sales planning.
• Collaborated with senior stakeholders including PRMs, BMs, RHs and ZHs to identify business opportunities and maximize branch productivity.

CORPORATE SALES MANAGER - HDFC LIFE - Chennai

(2023-01 - 2025-08)

Bancassurance - Partnered with HDFC Bank (RBB - Retail Branch Banking)

• Managed a team of 10 across 14 branches in the Chennai Cluster, driving business growth through coaching, branch support, customer acquisition and relationship management.
• Conducted daily huddles, product training, sales coaching, branch-level interventions to improve team productivity and conversion rates.
• Identified business opportunities from RM portfolios, scheduled customer meetings, provided financial planning solutions, ensured strong prospect follow-up and persistency management.
• Delivered product presentations, objection-handling sessions, role-plays, partner training programs to enhance sales effectiveness and market penetration.
• Developed sales strategies, managed key client relationships, performed competitor analysis, ensured compliance with internal policies and processes.
• Achieved ₹1.65 Crore business in FY'24 with 60% market share and ₹2.58 Crore in FY'25 with 69% market share, while maintaining 90% 13th-month and 85% 25th-month persistency.

SALES MANAGER - ADITYA BIRLA SUN LIFE INSURANCE - Tamil Nadu and Kerala

(2022-11 - 2023-01)

Bancassurance - Partnered with DCB (Development Credit Bank - Retail and Emerging Branches)

• Managed Retail and Emerging DCB business across Tamil Nadu and Kerala, overseeing 22 branches and a team of 8.
• Drove branch growth through partner relationship management, sales support and business opportunity identification.
• Focused on branch activation, FL/SP activation and consistent achievement of monthly targets. Delivered ₹2.24 Cr annual business in FY'23 with 59% market share.
• Improved branch productivity by analyzing performance, resolving operational challenges and providing targeted support to underperforming branches.
• Monitored field activities, joint calls, lead quality to enhance customer engagement and conversion rates.

DEPUTY SALES MANAGER - ICICI PRUDENTIAL LIFE INSURANCE

(2015-01 - 2022-02)

Bancassurance - Partnered With Standard Chartered Bank / RBL

• Drove Retail and HNI life insurance business through customer engagement, lead generation, need analysis and solution-based selling across multiple banking verticals.
• Supported Relationship Managers in closing high-value life insurance prospects (₹5 Lakhs+) through effective objection handling and customer-centric sales approaches.
• Achieved 3 promotions and 1 elevation within 6 years, progressing to Deputy Sales Manager. Consistently exceeded annual business targets, growing from ₹1.23 Cr (FY'16) to ₹3.02 Cr (FY'21) and achieved ₹2.26 Cr in FY'22 with 60% market share in RBL channel.
• Maintained strong portfolio quality with persistency rates of 92% in 13th month, 87% in 25th month, 84% in 37th month and 75% in 49th month.
• Managed a cluster of 12 branches and led a team of 6, driving sales performance through coaching, training, field support and performance reviews.
• Strengthened customer retention and satisfaction through relationship management, service excellence and timely resolution of customer concerns.
• Identified growth opportunities through market analysis, competitor tracking and customer insights while conducting cluster-level meetings and capability-building initiatives.

MBA - JEPPIAAR INSTITUTION, CHENNAI (2012-09 - 2014-06)

B.SC. - COMPUTER SCIENCE - St. JOSEPH'S COLLEGE OF ARTS AND SCIENCE, CUDDALORE (2009-05 - 2012-06)