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<p>Main Purpose of Job: The Insurance Operations Officer for Consumer Lines is responsible for the complete end-to-end placement process of individual (retail) insurance products such as Motor, Home, Travel, and other consumer insurance lines. This includes managing quotations, negotiations, policy issuance, renewals, endorsements, and ensuring compliance with underwriting and operational standards. The role acts as the key link between telesales, insurers, and the internal operations team to guarantee smooth, accurate, and timely placement of all consumer insurance policies</p><p>Key Responsibilities:</p><ol><li>Quotation and Placement Management Receive and review all lead submissions and closed deals from telesales and verify completeness of required information. Obtain quotations from approved insurers according to underwriting guidelines and client requirements. Compare quotations based on coverage, pricing, and insurer performance to support sales teams to recommend the best option for the customer. Negotiate terms, premiums, and special conditions with insurers to secure optimal cover. Confirm placement, prepare cover confirmation, and ensure policy documents are issued correctly and on time.</li><li>Policy Administration and Documentation Ensure all policies (new business, renewals, endorsements, cancellations) are accurately processed in the system. Review policy schedules, certificates, and wordings for accuracy and compliance before releasing to clients. Coordinate with insurers for any discrepancies, corrections, or reissuance. Maintain up-to-date records of all policy transactions within the broker management system (CRM, ERP, etc). Support compliance with PDPL, CBB, and company data handling procedures.</li><li>Renewal Management Review renewal lists and ensure renewal quotations are received from insurers 45 days before expiry. Compare renewal terms vs. prior year coverage and pricing to ensure competitiveness. Coordinate with telesales or relationship managers to finalize renewal placements. Maintain renewal tracker to ensure no lapse in coverage and report renewals progress weekly.</li><li>Insurer and Product Relations Maintain strong working relationships with insurer underwriting and operations teams. Track insurer response times, turnaround quality, and maintain placement performance metrics. Support product development and new insurer onboarding by providing market feedback. Stay updated on insurer product offerings, coverage updates, and special promotions.</li><li>Operational Excellence and Compliance Ensure all placements follow company standard policies and procedures, authorities, and regulatory requirements. Support internal audits, compliance checks, and reconciliations related to premium collection and policy issuance. Provide feedback and recommendations to improve efficiency and data accuracy in placement workflows. Participate in training and continuous improvement programs.</li></ol><p><strong>Desired Candidate Profile</strong></p><h2>Educational, Skills and Experience:</h2><p><strong>Required Education and Experience:</strong></p><ul><li>Bachelor s Degree (Insurance, Business, or related field preferred).</li><li>2 4 years of experience in insurance operations, underwriting, or placement within a broker or insurer.</li><li>Familiarity with motor and consumer lines products is essential.</li><li>Fluency in English; Arabic is an advantage.</li></ul><p><strong>Qualifications:</strong></p><ul><li>Strong technical understanding of motor and personal insurance products.</li><li>Excellent coordination and multitasking skills.</li><li>High attention to detail and accuracy in documentation.</li><li>Effective communication and negotiation skills.</li><li>Good command of Excel and CRM or policy management systems.</li><li>Understanding of brokerage workflows and PDPL/CBB compliance.</li><li>Meticulous and process-oriented.</li><li>Proactive in following up and closing pending items.</li><li>Strong sense of ownership and accountability.</li><li>Collaborative and supportive with sales and service teams.</li><li>Committed to service excellence and continuous improvement.</li></ul>

<p>About the Role We are looking for a Telemarketing Agent to generate and qualify leads, promote products and services, and convert prospects into customers through telephone-based sales activities. The role involves cold calling, lead generation, customer engagement, sales calls, and maintaining accurate customer records in the company system. Key Responsibilities Contact prospective and existing customers by telephone to promote and sell products and services. Conduct cold calls and follow up on leads generated through various sources. Deliver prepared sales pitches and explain products, services, pricing, and offers to potential customers. Persuade potential customers to purchase products or services. Generate qualified leads and convert prospects through effective sales calls. Obtain customer referrals and potential customer contact details through legitimate lead-generation activities. Conduct client and market surveys and maintain detailed notes on customer interactions and services offered. Collect and accurately record customer information, including names, contact details, addresses, and payment methods. Enter and maintain customer, contact, account, and order information in the company system. Handle customer questions and resolve complaints by investigating issues, developing solutions, and escalating matters where required. Provide feedback and recommendations on products, services, policies, and competitive developments based on customer and market feedback. Maintain professional and technical knowledge through relevant training, workshops, publications, and industry networking. Support the line manager with assigned tasks and other departmental activities when required. Qualifications &amp; Skills Minimum high school certification . Diploma and relevant work experience are preferred. Strong verbal and written communication skills . Good sales and persuasion skills. Positive attitude and strong teamwork ethic. Good understanding of the company's products and services. Strong computer literacy, particularly Microsoft Office . Ability to persuade and influence potential customers effectively. Strong active listening skills and a customer-focused approach. Ability to communicate professionally and build rapport with customers. Previous telemarketing, telesales, call center, or sales experience is an advantage. Key Performance Indicators (KPIs) Achieve daily and monthly sales targets set by management. Meet monthly targets related to sales, premium income, and commission income , as applicable. Performance targets are subject to management review at least annually. Commission &amp; Incentives Commission and incentive structure to be agreed upon. Commission is payable only when the applicable KPIs are achieved. Working Conditions Working hours: 40 hours per week. Working schedules may include rotating shifts . The role may occasionally require evening and/or weekend work .</p><p><strong>Desired Candidate Profile</strong></p><ul><li>Minimum high school certification .</li><li>Diploma and relevant work experience are preferred.</li><li>Strong verbal and written communication skills .</li><li>Good sales and persuasion skills.</li><li>Positive attitude and strong teamwork ethic.</li><li>Good understanding of the company's products and services.</li><li>Strong computer literacy, particularly Microsoft Office .</li><li>Ability to persuade and influence potential customers effectively.</li><li>Strong active listening skills and a customer-focused approach.</li><li>Ability to communicate professionally and build rapport with customers.</li><li>Previous telemarketing, telesales, call center, or sales experience is an advantage.</li></ul>

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <p><strong>Main Purpose of Job:</strong></p><br><br><p>The Placement Officer for Consumer Lines is responsible for the complete end-to-end placement process of individual (retail) insurance products such as Motor, Home, Travel, and other consumer insurance lines. This includes managing quotations, negotiations, policy issuance, renewals, endorsements, and ensuring compliance with underwriting and operational standards.</p><br><br><br><p>The role acts as the key link between telesales, insurers, and the internal operations team to guarantee smooth, accurate, and timely placement of all consumer insurance policies</p><br><br><br><p><strong>Key Responsibilities:</strong></p><br><br><br><p><strong>1. Quotation and Placement Management</strong></p><br><br><ul><li>Receive and review all lead submissions and closed deals from telesales and verify completeness of required information.</li><li>Obtain quotations from approved insurers according to underwriting guidelines and client requirements.</li><li>Compare quotations based on coverage, pricing, and insurer performance to support sales teams to recommend the best option for the customer.</li><li>Negotiate terms, premiums, and special conditions with insurers to secure optimal cover.</li><li>Confirm placement, prepare cover confirmation, and ensure policy documents are issued correctly and on time.</li></ul><br><p><strong>2. Policy Administration and Documentation</strong></p><br><br><ul><li>Ensure all policies (new business, renewals, endorsements, cancellations) are accurately processed in the system.</li><li>Review policy schedules, certificates, and wordings for accuracy and compliance before releasing to clients.</li><li>Coordinate with insurers for any discrepancies, corrections, or reissuance.</li><li>Maintain up-to-date records of all policy transactions within the broker management system (CRM, ERP, etc).</li><li>Support compliance with PDPL, CBB, and company data handling procedures.</li></ul><br><p><strong>3. Renewal Management</strong></p><br><br><ul><li>Review renewal lists and ensure renewal quotations are received from insurers 45 days before expiry.</li><li>Compare renewal terms vs. prior year coverage and pricing to ensure competitiveness.</li><li>Coordinate with telesales or relationship managers to finalize renewal placements.</li><li>Maintain renewal tracker to ensure no lapse in coverage and report renewals progress weekly.</li></ul><br><p><strong>4. Insurer and Product Relations</strong></p><br><br><ul><li>Maintain strong working relationships with insurer underwriting and operations teams.</li><li>Track insurer response times, turnaround quality, and maintain placement performance metrics.</li><li>Support product development and new insurer onboarding by providing market feedback.</li><li>Stay updated on insurer product offerings, coverage updates, and special promotions.</li></ul><p><strong>5. Operational Excellence and Compliance</strong></p><br><br><ul><li>Ensure all placements follow company standard policies and procedures, authorities, and regulatory requirements.</li><li>Support internal audits, compliance checks, and reconciliations related to premium collection and policy issuance.</li><li>Provide feedback and recommendations to improve efficiency and data accuracy in placement workflows.</li><li>Participate in training and continuous improvement programs.</li></ul><p><strong>Educational, Skills and Experience:</strong></p><br><br>Required Education and Experience:<ul><li>Bachelor's Degree (Insurance, Business, or related field preferred).</li><li>2-4 years of experience in insurance operations, underwriting, or placement within a broker or insurer.</li><li>Familiarity with motor and consumer lines products is essential.</li><li>Fluency in English; Arabic is an advantage.</li></ul><br><p>Qualifications:</p><br><br><ul><li>Strong technical understanding of motor and personal insurance products.</li><li>Excellent coordination and multitasking skills.</li><li>High attention to detail and accuracy in documentation.</li><li>Effective communication and negotiation skills.</li><li>Good command of Excel and CRM or policy management systems.</li><li>Understanding of brokerage workflows and PDPL/CBB compliance.</li><li>Meticulous and process-oriented.</li><li>Proactive in following up and closing pending items.</li><li>Strong sense of ownership and accountability.</li><li>Collaborative and supportive with sales and service teams.</li><li>Committed to service excellence and continuous improvement.</li></ul><br> <br><br> </div>

<p><h4>About the job</h4> <p><strong>Term:</strong> 12 months<br> <strong>Location:</strong> Bahrain<br> <strong>Division:</strong> Retail Banking / Cards & Payments<br> <strong>Reports to:</strong> Head of Cards<br> <strong>Relevant experience:</strong> 10 - 15 years cards sales, card campaign launches, process / policy revamp</p> <h4>Mandatory requirements</h4> <ul> <li>Experience of heading sales, launching campaigns, managing sales channels and acquisition for credit cards</li> <li>Knowledge of cards (debit, credit and prepaid) and key metrics</li> </ul> <h4>Purpose of the project</h4> <p>The credit card new sales & acquisition product manager will drive growth of the issuer's credit card portfolio in Bahrain through data-driven sales strategies, optimized acquisition funnels, targeted campaigns, distribution channel development, refined credit policies, and strong go-to-market execution. This role is responsible for increasing new-to-bank credit card sales, improving market share, and enhancing sales productivity, while collaborating with marketing, risk, analytics, and channel teams to deliver best-in-class acquisition performance.</p> <h4>Key activities, core responsibilities and accountabilities</h4> <p><strong>1. Acquisition strategy & market growth</strong></p> <ul> <li>Develop a comprehensive credit card new acquisition strategy, aligned with business goals and Bahrain market dynamics</li> <li>Conduct structured market and competitive analysis to identify penetration opportunities, customer segments, and gaps in the current market landscape</li> <li>Define sales targets, growth levers, and acquisition KPIs across all channels</li> </ul> <p><strong>2. Data analytics & performance optimization</strong></p> <ul> <li>Use portfolio analytics, channel performance data, and conversion insights to identify growth bottlenecks, optimize funnel performance, and refine targeting models</li> <li>Work with analytics teams to develop performance dashboards, track sales conversion ratios, and monitor efficiency—consistent with data-driven approaches seen in acquisition programs</li> <li>Translate insights into actionable recommendations for sales teams, credit, digital channels, and marketing</li> </ul> <p><strong>3. Campaign planning & execution</strong></p> <ul> <li>Design and execute acquisition campaigns across digital, in-branch, telesales, partnerships, and ecosystem channels, leveraging best practices from the region</li> <li>Own campaign concept development, offers, messaging, targeting, channel mix, and performance tracking</li> <li>Partner with marketing to produce collateral, landing pages, creatives, and content that elevate conversion rates</li> </ul> <p><strong>4. Channel development & optimization</strong></p> <ul> <li>Drive performance across all acquisition channels—branches, telesales, digital, aggregator partners, merchant tie-ups, employer programs, and events</li> <li>Work with channel heads to define incentives, SLAs, performance metrics, and weekly review cadences</li> <li>Identify new channel opportunities (e.g., partnerships, lead-generation platforms, fintech enablers) and develop scalable onboarding models</li> </ul> <p><strong>5. Credit policy & risk alignment</strong></p> <ul> <li>Collaborate with credit risk to optimize acquisition credit policies without compromising portfolio quality—supporting faster approvals, improved eligibility frameworks, and targeted risk models</li> <li>Monitor approval rates, bad rates, and early delinquency trends to balance growth and risk</li> <li>Lead policy A/B testing, segment-based thresholds, and pre-approved programs</li> </ul> <p><strong>6. Sales enablement & training</strong></p> <ul> <li>Develop and deliver training programs for channel partners, acquisition teams, telesales, and branch staff—aligned with best practices highlighted in sales augmentation programs</li> <li>Build product knowledge modules, pitch decks, objection-handling guides, and refresher content to boost sales productivity</li> <li>Ensure acquisition teams articulate USP, offers, and competitive advantages clearly</li> </ul> <p><strong>7. Marketing communications & collateral</strong></p> <ul> <li>Work with marketing to produce brochures, banners, digital assets, landing pages, email sequences, and SMS scripts that strengthen acquisition conversion</li> <li>Ensure messaging accuracy, compliance, and alignment with product positioning—as reinforced by content governance roles seen in card teams</li> </ul> <p><strong>8. Cross-functional leadership</strong></p> <ul> <li>Partner with finance, credit, risk, digital, IT, legal, compliance, and operations teams to ensure seamless implementation of acquisition initiatives—similar to multi-function coordination demonstrated in lead acquisition-focused projects, from ideation to execution and performance reviews</li> <li>Ensure stakeholder alignment, consistent communication, and timely issue resolution</li> </ul> <h4>Knowledge and experience</h4> <ul> <li>Bachelor's or master's degree in business, finance, marketing, or related field</li> <li>Strong understanding of card payments, processing systems, and regulatory environments</li> <li>10 to 15 years of proven experience in sales management, product development, portfolio management, and cross-functional collaboration</li> <li>Excellent analytical, communication, and stakeholder management skills</li> </ul></p><p></p>