Sr.Manager/ AVP - Product & Process Head SME Business

Job Description Go Digit General Insurance Ltd JOB DESCRIPTION Product & Process Head SME Business | Strategic Partnerships Agency and Retail Brokers Strategy and Central Sales Department Agency and Retail Brokers Strategy and Central Sales Location Bengaluru, Karnataka (Atlantis Office) Reports To Head SME Business, Agency, Retail Broking & Prime Broking Team Size 4 Direct Reports Industry General Insurance / InsurTech Band / Level Sr. Manager/ Associate Vice President About Go Digit Go Digit General Insurance is a digital-first insurer focused on simplifying insurance through technology, distribution innovation, and customer-centric servicing. The SME business requires scalable products, partner-friendly journeys, strong underwriting alignment, and disciplined process governance to deliver profitable growth across Agency and Retail Broker channels. Role Summary The Product & Process Head SME Business, Strategic Partnerships will own the product enablement and process excellence agenda for Agency and Retail Broker channels. The role will translate channel feedback into practical product propositions, partner journeys, SOPs, underwriting workflows, issuance improvements, dashboards, and governance mechanisms. The incumbent will work closely with Product, Underwriting, Operations, Technology, Claims, Finance, Marketing, and regional sales teams to simplify partner experience, improve conversion, reduce turnaround time, and drive sustainable portfolio quality. Who Succeeds Here: A structured business leader who can convert market needs into product action, simplify complex underwriting and operational processes, and build scalable partner journeys with measurable outcomes. Key Responsibilities Product Strategy & Proposition Management Define the SME product enablement roadmap for Agency and Retail Broker channels across Commercial Lines, Employee Benefits, Surety, Specialty Lines and other relevant products. Identify product gaps from partner, geography and portfolio feedback; convert them into structured product notes, use-cases, benefit grids, underwriting inputs and launch requirements. Work with Product, Underwriting and Actuarial teams to refine coverages, eligibility norms, pricing levers, deductibles, add-ons, exclusions and appetite statements for partner-specific segments. Create simple partner-facing product explainers, sales talk-tracks, objection-handling notes and comparison grids to improve product adoption and conversion. Process Design, SOPs & Governance Design, document and govern SOPs for quote placement, underwriting referral, policy issuance, endorsements, renewals, cancellations, claims coordination, escalations and exception approvals. Establish process ownership, RACI matrices, SLAs, approval checkpoints and escalation paths across Sales, Underwriting, Operations, Claims and Technology. Run periodic process audits to identify leakage, rework, TAT delays, documentation gaps, compliance risks and partner pain-points; publish corrective action plans. Standardize partner onboarding, activation and servicing journeys so that branches and central teams follow one consistent operating model. Digital Enablement & Workflow Improvement Partner with Technology and Digital teams to improve CRM, quote, policy issuance, monitoring and reporting workflows for SME partner channels. Lead business requirement documents (BRDs), user journeys, UAT coordination and release readiness for product/process enhancements. Build automation opportunities in lead capture, quote follow-up, renewal tracking, document validation, exception routing and partner communication. Monitor adoption of digital tools and identify training or workflow changes needed to improve usage by internal teams and partners. Portfolio Quality, MIS & Business Insights Develop dashboards to monitor quote conversion, issuance TAT, product mix, renewal ratio, loss ratio, referral pendency, partner activation and exception trends. Analyze channel/product/process data to recommend interventions that improve productivity, portfolio quality and profitable growth. Create monthly product and process review notes for leadership with key bottlenecks, decisions required, owner-wise actions and closure timelines. Coordinate with Finance, Actuarial and Claims for profitability reviews and claim feedback loops to refine product appetite and process controls. Cross-Functional Execution & Change Management Act as the central bridge between regional sales teams, partner-facing teams and control functions to ensure product/process changes are implemented on ground. Lead training, communication and adoption plans for new products, revised SOPs, underwriting guidelines, system changes and process controls. Manage stakeholder alignment for complex partner cases while .