Job Description

About FWD Group

FWD Group (1828.HK) is a pan-Asian life and health insurance business that serves more than 38 million customers across 10 markets, including BRI Life in Indonesia. FWD’s customer-led and tech-enabled approach aims to deliver innovative propositions, easy-to-understand products and a simpler insurance experience. Established in 2013, the company operates in some of the fastest-growing insurance markets in the world with a vision of changing the way people feel about insurance. FWD Group is listed on the main board of the Hong Kong Stock Exchange under the stock code 1828.

For more information, please visit www.fwd.com

PT FWD Insurance Indonesia (“FWD Insurance”), a joint-venture insurance company and a part of FWD Group, previously known as PT Commonwealth Life, has successfully merged with PT FWD Life Indonesia (“FWD Life”) as of 1 December 2020 and will be known as FWD Insurance.

The merger of FWD Life and FWD Insurance has led to a more comprehensive range of products, including unit-linked insurance, individual & group term life insurance, individual & group personal accident insurance, and group medical insurance through technology driven-distributions such as agency, bancassurance, e-commerce, and corporate.

FWD Insurance is registered and supervised under Otoritas Jasa Keuangan (“OJK”).

FWD Insurance is a member of Indonesia Financial Services Alternative Dispute Resolution Center.

Lead and drive end-to-end distribution strategy for Sharia business across all channels (Agency, Bancassurance, and Digital Commerce), ensuring sustainable growth, strong market penetration, and full compliance with Sharia principles, OJK regulations, and internal governance standards.

The role also carries a strong mandate to accelerate Credit Life business growth, particularly through bancassurance and strategic partnerships, as a key driver of scalable and sustainable revenue within the Sharia portfolio.

KEY RESPONSIBILITIES

1. Distribution Strategy & Growth

· Develop and execute comprehensive Sharia distribution strategy across Agency, Bancassurance, and Digital channels

· Define channel roles, segmentation, and growth priorities aligned with overall business strategy

· Drive top-line growth, APE, and productivity across all channels

· Drive expansion of Credit Life business through strategic partnerships (banks, MFIs, fintech, and other lending ecosystems)

· Identify new market opportunities, partnerships, and digital innovations to accelerate growth

2. Channel Management (End-to-End)

· Oversee performance of Agency (Sharia), Bancassurance (Sharia), Digital Commerce (including tele-sales and D2C platforms)

· Ensure strong integration of Credit Life proposition within bancassurance and lending partner ecosystems

· Ensure strong alignment and synergy across channels (no silos, clear attribution, coordinated go-to-market)

3. Sales Performance & Productivity

· Define sales targets, KPIs, and incentive frameworks for all channels

· Monitor sales performance and implement corrective actions

· Drive productivity improvement (conversion rate, case size, persistency, funnel efficiency)

· Set and drive specific targets for Credit Life contribution and portfolio growth

· Establish strong performance culture and accountability

5. Customer & Market Development (Enhanced)

· Strengthen customer proposition for Sharia segment

· Ensure distribution approach is aligned with customer needs and behavioral insights

· Drive customer experience excellence across all distribution touchpoints

· Support product development with market and customer insights

· Develop tailored propositions for Credit Life aligned with lending customers’ needs (protection, affordability, simplicity)

7. Stakeholder Management (Enhanced)

· Build strong relationships with Bank partners (including lending business units), Agency leaders & top producers, Internal stakeholders

· Actively originate and manage partnerships with lending institutions (banks, fintech, multi-finance companies) for Credit Life expansion

· Act as key representative for Sharia distribution in internal and external forums