Mohammad Kamruzzaman

Experience

• 

  Khulna University

  Aug 1997 - Aug 1998

  Lecturer in School of Management and Business Administration

  Teach students, conduct research, and manage resources room. I have learnt making good presentations and public speaking skill during this time.

• 

  BEXIMCO Textiles Limited

  Mar 2001 - Aug 2002

  Marketing Executive

  Achieve yearly sales target through growing business with Levi’s and Dockers, keep track of fashion seasons of the customers and discuss & agree upcoming design pattern with in-house designers, ensure production and on time delivery of customer’s order. During this time of my career, I was part of a multi-cultural team where people came from UK, India, The Philippines, Srilanka, and Pakistan.

• 

  American Life Insurance Company (an AIG company)

  Sept 2002 - Feb 2006

  My primary responsibility was to learn A&H Profit Center matters, establish myself as Profit Center head, and grow A&H business simultaneously. My job responsibility was broadened to both Top line and Bottom line. I started developing A&H human resources which was underdeveloped in terms of size and skill. Key success during this part of my career is below: • New Channel of Distribution for new customer segment: o Launched remittance insurance for the customers of CITI Bank Bangladesh and SAMBA of Saudi Arab through Bancassurance channel of distribution. o Launched A&H insurance benefits for the customers of Standard Chartered Bank through Bancassurance channel of distribution while bank was converting ATM card to Visa Electron Debit card. • New Customer Segment: Identified an untapped customer segment (e.g. Kids) and launched a standalone product through Agency channel of distribution. কম দেখুন My primary responsibility was to achieve sales and other qualitative & quantitative targets through assigned agency outlets. Detailed responsibilities include: • Apply established management process to ensure effective and compliant implementation of the expected daily activities and follow up on agency performance• Direct, develop, and coach agency field managers on daily basis to recruit and build a professional agency sales force• Propose and set challenging but realistic goals for the assigned agency outlets in the context of overall Company goals and implement the decided strategies and action plans• Implement and promote established synergies agreed with Agency Director and Profit Center to maximize the utilization of agency outlets• Ensure that assigned agency outlets provide high quality, reliable service to customers during the initial sales process and throughout the life of each policy contract কম দেখুন

  • Assistant Manager, Accident & Health

    Jun 2005 - Feb 2006

  • Assistant Sales Manager

    Sept 2002 - May 2005
• 

  American Life Insurance Compnay (an AIG company)

  Feb 2006 - Aug 2011

  Manager, Accident & Health

  I was vertically promoted to manager, accident and health position from assistant manager, accident and health. During this period, Accident and Health team started getting bigger and better. Other key successes during this part of my career is below: • Developing business under a new license: After acquiring a new license, we converted multiple number of existing A&H Standalone products to work under new license.• Outbound Telemarketing (OTM) Campaign: Launched first ever OTM campaign using an overseas call center to call our own database. Our objective was to identify the challenges and study feasibility of this type of campaign. • Introducing new Incentive Bonus for Channel of Distribution: To motivate Agency channel of distribution to sell more A&H and to make up their income from A&H, we introduced several incentive bonus schemes which worked well. • Design and Develop Expatriate Insurance: To cater insurance needs of the Bangladeshi expatriates seeking employment overseas, we studied dynamics and players of the manpower industry and accordingly developed Expatriate Insurance. কম দেখুন

• 

  MetLife

  Aug 2011 - now

  Developed short, mid, and long term product strategy for new product development and managing existing product portfolio. Did market segmentation and re-positioned product for the right segment which generated quadruple digit growth. Developed partnership with value added service providers. Reporting to country CMO and DGM, Kamruzzaman helped set up CMO organization. Worked closely with Hong Kong-based regional CMO to develop advanced data analytics strategy & implemented those with Kuala Lumpur, Malaysia -based MetLife Asia Center of Excellence for Data Analytics (COEDA) team. Conducted 2 training programs at Yangon, Myanmar for selected employees of local life and non-life insurance companies, regulators, ministry of finance, and students of Yangon University of Economics with support from MetLife representative office. Did pro bono work in Vietnam for a Vietnamese NGO who was seeking fund from private sector corporate to continue their website on autism. কম দেখুন My primary responsibility is to manage a multi-channel of distribution, multi-product profit center with top line and bottom line responsibility. Major responsibilities include:• Production Responsibility: Achieve and exceed sales target at a desired growth rate.• Profit Responsibility: Achieve and exceed profit target and maintain expected profitability through low cost operational method and controlling expense.• Budgeting Responsibility: Prepare and present annual budget of sales, incentives, capital expenditures, IT, and Human resources. • Sales and Distribution Management: Set and communicate annual business goal for each channel of distribution, provide feedback on progress, push and monitor sales activities through working with channels of distribution. • Customer Relationship Management (CRM): Work with Office of the Customer team to tap customer database for Cross sale and Up sale. • Skill Training and best practices for Channel of Distribution: Train channel of distribution on proper field underwriting and share best practices on sales techniques.• Product Development: Spot business opportunities through market research and analysis, work with regional office for rates, contracts, underwriting specs and product packaging to maximize Return on Investment. • Launching and Campaign Management: Plan and execute product launches and sales campaigns, collect and analyse market response from channels of distribution, customers and competitors for review and possible re-positioning. • Employee Management: Effectively manage and develop A&H team. This includes making hiring decisions, developing staff, coordinating with HR regarding performance issues, writing and administering performance appraisals, and making appropriate increase and promotion recommendations. • Adhere to Company Guidelines and procedures: meet and ensure deadlines set by local, regional and Home offices and generate reports as requested by them. কম দেখুন

  • Director, Employee Benefits (for corporate business)

    Dec 2017 - now

  • Director, Product Development & Data Analytics

    Apr 2017 - Dec 2017

  • Senior Manager, Product Development and Data Analytics

    May 2015 - Apr 2017

  • Senior Manager, Accident & Health

    Aug 2011 - May 2015