CHARU GOSAIN
Burbank,CA
Summary
Strategic Sales & Employee Benefits Leader with 20+ years of experience driving revenue growth, client retention, and profitability in the insurance and employee benefits space. Proven track record of scaling portfolios from $36M to $80M and leading digital transformation initiatives to improve customer experience and operational efficiency. Strong expertise in broker partnerships, enterprise client management, and cross-functional leadership.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Deputy Vice President- Sales Head (Digital Voluntary Employee Benefits)
ADITYA BIRLA SUN LIFE INSURANCE
2019.01 - 2026.01
- Digital Transformation & Strategy- Spearhead the transition from manual, high friction enrollment to a fully automated digital , industry first Self funded/Voluntary benefits(G2R) platform. Led a cross functional team of IT, Product, Underwriting, Reinsurer and Compliance to design a portal that reduced enrollment time to under 5 minutes and eliminated medical testing and financial document requirements.
- Operational Excellence & Retention- Engineered a “profitability” feature and simplified underwriting, significantly increasing employee participation and long-term client retention. Reduced operational complexity for servicing teams while ensuring rigorous risk and compliance alignment.
- Revenue Growth- Scaled the Group Business portfolio from $36M-$80M within 3 years through aggressive market expansion and strategic renewals.
- Profitability-Delivered record breaking annual profits of $9M-$12M for three consecutive years.
- Digital Initiatives-Spearhead the rollout of digital voluntary enrollment portal( group to retail) , significantly increasing adoption rates and employee participation in self funded/voluntary programs.
- Portfolio Management- Directly managed a $75M-$80M annual premium portfolio, consistently maintaining a 95%/+ persistency and retention rate. This was achieved through high-touch client engagement, broker relationships and the strategic rollout of the digital G2R platform.
- C-Suite Engagement- Presented business reviews and strategic growth plans to CHROs and CFOs of major enterprise clients.
Assistant Vice President-Employee Benefits
KOTAK MAHINDRA LIFE INSURANCE
2013.01 - 2019.01
- Account Growth-Built and sustained relationships with brokers and consultants to drive cross sell and up sell opportunities and voluntary benefit expansions
- Profitability Optimisation- Orchestrated a strategic partnership between actuarial and underwriting teams to refine pricing accuracy and mitigate risks. This initiative directly contributed to a 20% increase in profitability, resulting in the National Award for Highest Profitability.
- Operational Optimisation- Partnered with actuarial and underwriting teams to refine pricing accuracy, reducing servicing gaps and improving risk management.
Deputy Manager – Operations
KOTAK MAHINDRA LIFE INSURANCE
2003.01 - 2013.01
- Operational Excellence- Directed end-to-end insurance operations, including underwriting and policy issuance, consistently achieving top-tier audit scores.
- Team Leadership-mentored cross-functional teams to improve policyholder servicing and streamline renewal processes.
Education
Post Graduation Diploma - Business Administration (Marketing)
Symbiosis School Of Distance Learning
Pune, India06.2004
Bachelor Of Commerce - Commerce
Moti Lal Nehru College
New Delhi, India06.1999
Skills
- Strategic leadership- P&L management, Revenue Growth, & Go-to-market strategy
- Client Management-Enterprise account retention, Broker partnerships , & Stakeholders Engagement
- Operations & Digital-Digital transformation( digital self-funded/voluntary portal),Process Optimisation, & Compliance
- Financial Acumen- Pricing strategy,Underwriting collaboration, & Risk Mitigation
Certification
- Licentiate – Insurance Institute of India
- Technical Training – GNIIT (Information Technology)
- Awards- Highest New Business Award(2004-2004), National Award for Highest Profitability (2019)
Languages
English
Full Professional
Timeline
Deputy Vice President- Sales Head (Digital Voluntary Employee Benefits)
ADITYA BIRLA SUN LIFE INSURANCE
2019.01 - 2026.01
Assistant Vice President-Employee Benefits
KOTAK MAHINDRA LIFE INSURANCE
2013.01 - 2019.01
Deputy Manager – Operations
KOTAK MAHINDRA LIFE INSURANCE
2003.01 - 2013.01
Post Graduation Diploma - Business Administration (Marketing)
Symbiosis School Of Distance Learning
Bachelor Of Commerce - Commerce
Moti Lal Nehru College