Job Description

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed.

Key Accountabilities:

Strategic Account Management

• Serve as the overall relationship owner with the partner bank, managing senior stakeholders and executive alignment.
• Develop joint business plans (sales, marketing, training, and digital initiatives) aligned with both organizations’ goals.
• Conduct monthly/quarterly account reviews and ensure all strategic deliverables are met.

Sales Management & Productivity

• Lead bancassurance sales management from HQ down to regional/state offices, ensuring alignment and execution discipline.
• Set and cascade clear sales targets (APE, NBP, protection mix) across national, regional, and branch levels.
• Establish a sales performance management system including dashboards, KPIs, and regular reviews.
• Drive sales productivity uplifted by optimizing cases per RM, average premium per case, and penetration per branch.
• Build and maintain a highly effective salesforce through structured recruitment, training, certification, coaching, and career development.
• Partner with bank distribution leadership to instill a sales culture that embeds Takaful as a core offering.
• Identify underperforming regions/branches and implement targeted interventions (task forces, coaching programs, incentive realignments).

Business Development & Growth

• Expand product penetration across retail, affluent, SME, and corporate banking segments.
• Drive innovative product propositions, e.g. MRTT refinancing, legacy/hibah offerings, and digitally enabled micro-Takaful.
• Negotiate partnership enhancements, joint campaigns, and performance-based incentives with the bank.

Marketing & Go-to-Market (GTM)

• Develop co-branded campaigns with the bank across physical and digital channels.
• Align Takaful GTM initiatives with bank customer journeys (branch, mobile app, online banking, contact center).
• Design lead generation and conversion programs with measurable ROI.
• Execute segment-based marketing strategies (youth, mass affluent, SME) to increase penetration.

Customer Retention & Loyalty

• Monitor persistency and drive retention initiatives, including onboarding campaigns, renewal reminders, and personalized retention journeys.
• Partner with bank and internal CX teams to improve NPS and customer engagement.
• Implement cross-sell and upsell strategies across bank customer base to improve customer lifetime value.

Digital Enablement & Transformation

• Champion the digitalization of the banca sales model (e-apps, STP, e-claims, digital leads).
• Drive adoption of mobile sales tools, integrated CRM/CLM, and digital dashboards for RMs and HQ leadership.
• Collaborate with bank IT/digital teams to integrate Takaful products into their digital ecosystem (apps, wallets, APIs).
• Leverage advanced analytics, AI, and predictive models to improve targeting, productivity, and retention.

Stakeholder Management & Governance

• Manage senior bank executives and internal EXCO stakeholders to ensure joint alignment.
• Ensure strict compliance with BNM, Shariah requirements, and all governance frameworks.
• Lead regular joint steering committees and performance reviews.

Qualification and Experience

• 12–15 years in insurance/Takaful with at least 5 years leading bancassurance sales.
• Proven experience in salesforce management across HQ and regions.
• Strong record in account management, marketing, digital transformation, and retention strategies.
• Ability to influence senior bank executives and lead large cross-functional teams.
• Bachelor’s degree in Business, Finance, Marketing, or related; MBA preferred.

Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Job Requirements