Howard Chan

My background is in life insurance business development, distribution, sales and marketing with a combined almost 3 decades of experience. Therefore, I want to help solve the most difficult challenges of a similar company where;

1. The low productivity of the distribution channels (agents & partnerships).
2. Increasingly, technology enables customers to obtain information that negates agents’ competitive advantage.
3. In response, agency distribution employs pressure selling on customers, which erodes customer trust in the agent and, by association, the company.
4. In reaction to market challenges, agents as suppliers of the distribution function are demanding ever higher compensation which is chipping away at company margins.
5. New business churn is pressuring the company's financial projections, resulting in prescriptive measures that deviate from the corporate strategy.
6. The growing assertiveness of competitors is causing a loss of market share with long-term implications.

1. Launch new projects that align with a company’s strategy and that deliver on NPV. 
2. Leverage technology to help organize and coordinate work using “projectized” methodologies to achieve organization-wide collaboration and focus management attention on priorities.
3. Transform distribution functions into sources of competitive advantage instead.
4. Revisit and fine-tune the existing performance management apparatus to derive maximum performance from the organizational structure.

I have 20+ years of life insurance distribution experience and have worked full-time in Malaysia, Indonesia and Vietnam market.These experience covers business development, marketing, administration, project management, and as trainer.

MBA specializing in governance and control, Master in Information Technology, and Bachelor in Biochemistry.

As part of my MBA qualification, I submitted a research paper on ESG.