AVP - Insurance Specialist - West

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Wealth and Personal Banking serves more than 50 million customers worldwide with a complete range of banking and wealth management services to enable them to manage their finances and protect and build their financial futures. It is a global business that brings together management responsibility for Retail Banking, Wealth Management, Insurance and Asset Management with a focus on customer-centric propositions and innovative and efficient distribution channels.

We are currently seeking an experienced professional to join the Wealth and Personal Banking-Overseas Indian team.

AVP Insurance Specialist (IWPB)

Role details

• Job Title: AVP – Insurance Specialist
• Job Family/Sub-family: Sales / Sales Services
• Vetting: Standard
• Business Area: International Wealth & Premier Banking (IWPB)
• Group Job Code: J0451
• Global Band: 6
• Location: Mumbai

Job Purpose

The Premier proposition is a strategic priority for HSBC. The Product Expert (Insurance) is a specialist role within IWPB, focused on insurance sales by fulfilling clients’ protection needs.

The role works in close partnership with Premier Relationship Managers (PRMs) and branch/service colleagues to:

• identify protection gaps using a needs-based approach,
• recommend suitable insurance solutions,
• enable simplified insurance journeys to improve conversion and client experience.

Targets are rolled up across the aligned channels, primarily:

• Branch Premier RM Channel, and
• Service Channel (supporting simplified journeys and fulfilment).

Principal Accountabilities

Impact on the Business / Function

• Drive insurance outcomes by supporting PRMs and channels to convert identified protection needs into appropriate solutions.
• Strengthen HSBC’s position as a leading wealth and protection provider through deep product expertise and client-centric delivery.
• Support PRMs to deepen and grow client relationships through needs discovery, solution structuring and technical support.
• Conduct protection/portfolio reviews with PRMs (as appropriate), assess suitability and help manage risks and opportunities.
• Support adoption of simplified journeys, tools and process improvements; contribute to product launches where relevant.
• Coach PRMs and teams to improve product knowledge, sales effectiveness and quality.

Customers / Stakeholders

• Communicate clearly with clients on insurance solutions, including benefits, costs, key exclusions, risks and suitability.
• Support client education sessions/events to improve understanding of protection planning (as required).
• Work with Wealth Development, HSBC Insurance and relevant product partners to improve client outcomes and service quality.
• Provide structured feedback from PRMs/clients to help improve products, journeys and servicing.
• Apply market and channel intelligence to identify competitive gaps, service issues and opportunities.

Leadership & Teamwork

• Operate as a strong team partner to PRMs and channel colleagues; deploy time strategically and commercially.
• Partner with Sales Managers/Wealth leadership to manage product-specific needs and portfolio risks.
• Act as an ambassador for HSBC with high professional standards and consistent values-based behaviour.

Operational Effectiveness & Control

• Ensure recommendations and sales activity follow the needs-based sales process and meet suitability requirements.
• Ensure all processes and procedures are accurate and in accordance with IWPB policy standards and local regulatory requirements.
• Comply with local regulations across sales processes, client correspondence, financial promotions, administration and complaint handling.
• Complete and maintain required licensing / T&C standards; agree and deliver development plans with the line manager.

Role Context / Job Dimensions

• Specialist, client-facing role with no direct reports.
• Scope is reflected in the overall insurance outcomes/portfolio growth of the PRMs/channels aligned.
• Complexity driven by client needs, product structures and regulatory requirements.
• Financial targets reflect the aggregated performance of the supported channels/PRMs.

Mandatory Requirements (Certifications, Qualifications & Experience)

• IRDAI Certification – Mandatory (as applicable to the market and role requirements).
• 3–5 years’ experience in a similar role or in insurance selling (protection-focused), preferably within banking/wealth or a comparable distribution model.
• Attain/maintain any additional professional or internal standards required

Pro-tip : Familiarity with AI-enabled tools is an advantage. 

As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.

You’ll achieve more at HSBC.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.

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