Open to opportunities

Bharati Naik

@bharatinaik

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Senior insurance and banking leader driving sales, compliance, and team performance.

India

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What I'm looking for

I seek a leadership role in insurance or retail banking where I can drive sales growth, strengthen compliance and controls, lead large teams, and implement process and analytics improvements for scalable, client-centric operations.

I am a senior insurance and retail banking professional with 15+ years’ experience across health and life insurance, broking, tele-sales, and branch management. I have a proven record of building and leading large teams, driving profitable portfolios, and delivering high renewal and persistency ratios while ensuring 100% documentation and regulatory compliance.

At ICICI Bank and prior broking firms I have managed HNI client portfolios, developed POS/channel teams, and implemented process improvements that improved compliance, reduced errors, and strengthened MIS reporting. I am client-focused, metrics-driven, and experienced in end-to-end operations, talent development, and cross-insurer coordination in India.

Experience

Work history, roles, and key accomplishments

Current

Manager II - Retail Branch

Current

ICICI Bank Ltd

Feb 2023 - Present (2 years 10 months)

Manage a ₹200+ crore retail branch, leading a 12–15 member team for liabilities, assets, and insurance cross-sell while ensuring 100% KYC/AML compliance and improving branch operational KPIs.

Branch Management KYC Insurance Sales Team Leadership Process Improvement Customer Onboarding Risk Assessment

Assistant Vice President

Secure Today Financial Consultancy

Jan 2022 - Dec 2022 (11 months)

Oversaw end-to-end operations across admin, HR, sales and client relations for an insurance consultancy; recruited and trained 30+ POS agents and ensured documentation and regulatory compliance for insurance products.

Operations Management Recruitment Compliance Sales Operations Reporting

Assistant Vice President

Vizza Insurance Services Broking Pvt. Ltd.

May 2018 - Jan 2022 (3 years 8 months)

Led a 40-member team managing health insurance sales, renewals and back-office operations across multiple insurers, achieving average monthly business of ₹15 lakh and improving portfolio renewal ratios.

Renewals Management Team Leadership MIS Compliance Sales Strategy

Assistant Team Manager

Landmark Insurance Broking Pvt. Ltd.

May 2017 - May 2018 (1 year)

Managed a 30+ tele-caller team for health insurance sales and renewals, delivering ₹12–14 lakh monthly business and improving team productivity through training and process oversight.

Performance Management Documentation Lead Management Policy Issuance

Team Manager

Pramuk Health Services Pvt. Ltd.

Oct 2013 - Jan 2017 (3 years 3 months)

Led a 40-member sales and operations team generating ~₹20 lakh/month with ~80% renewal rate, focusing on compliance, branch operations and training to improve customer experience.

Sales Management Renewals Compliance Operations Training Customer Onboarding Quality Assurance

Assistant Team Manager

Aztec Capital Commodity & Broking Pvt. Ltd.

Apr 2011 - Oct 2013 (2 years 6 months)

Recruited and managed financial advisors across Karnataka for insurance and investment distribution, delivering training on product knowledge, sales skills and compliance support for post-sale documentation.

Advisor Recruitment Sales Training Compliance Documentation Regional Management Product Training

Team Leader - Life & Wealth

IIFL

Oct 2009 - Apr 2011 (1 year 6 months)

Managed HNI client relationships and led a 10-member team for life insurance and wealth cross-sell, earning promotion from TSO to Team Leader for consistent target achievement.

Team Leadership Cross Sell Client Servicing Sales Performance