Lead Data Innovation

Business

Health Insurance

Unit

Aditya Birla Health Insurance Company Ltd

Location

Team Member - Innovation

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job

Reports to: Poornata Position Title

Function

Data & Innovation

Reports to: Function

Data & Innovation

Department

Innovation

Reports to: Department

Innovation

Designation of the Employee s

TM – Innovation

Designation of the Manager

Lead Data & Innovation

Date of writing/updation of JD

• Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
  
  

Support the execution of ABHI's Gen-AI and Emerging Technology initiatives by assisting in implementation, coordinating with cross-functional teams, and contributing to adoption efforts. This role focuses on learning, enabling execution, and supporting innovation projects to drive measurable business impact.

• Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.
  
  

Number of systems

NA

Budget

As per plan

• Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section
  
  

About The Health Insurance Industry –

While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalized service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them.

Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as extensions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company.

About The Aditya Birla Health Insurance –

Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016.

ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6 th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of Health Insurance for All, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer's experience of our proposition is continuous and seamless.

ABHI's unique offering to market includes proposition includes -

• A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy
• A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1
• ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products.
• ABHICL's vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees.
  
  

Position Overview

This is a senior techno strategic role responsible for end to end ownership of ABHI's innovation charter. The incumbent will operate as the enterprise thought leader for Gen AI and emerging technologies, guiding business units and leadership on capability prioritization and building, platform investments, risk governance, and long-term value creation. The role demands strong executive and cross-functional management, deep understanding of AI-driven enterprise transformation, strong vendor management, and the ability to convert complex technology into high-impact, multi-functional business outcomes.

Industry Landscape (Gen AI in Insurance)

• Rapidly evolving GenAI market with increasing focus on core insurance-specific use cases
• Challenge to cut through vendor hype and identify solutions with tangible ROI
  
  

About ABHI

• Key Investors: Aditya Birla Capital Limited (46%), MMI Strategic Investments (44%) and Abu Dhabi Investment Authority (10%)
• Unique Health-first proposition with highly engaging incentivized wellness programs
• Focus on comprehensive health management including chronic care from Day 1
  
  

Major Challenges for the Role

• Leveraging fast-moving tech advancements to help achieve ABHI's long-term business goals.
• Influencing senior leadership and shaping investment decisions.
• Establishing guardrails for responsible AI, data governance, and compliance alignment.
• Managing complex vendor ecosystems and negotiating long-term value partnerships.
• Educating non-technical stakeholders & set expectations from Gen AI & emerging technologies.
• Scaling pilots into production-ready solutions within tight budgets.
• Balancing innovation velocity with compliance/ethical AI requirements.
  
  

Key Result Areas

• Strategic Roadmap Development
• Define the GenAI/emerging tech adoption roadmap aligned with ABHI's health-first mission.
• Prioritize use cases (e.g., AI-powered chronic care coaching, claims automation) based on feasibility and impact.
• Vendor Ecosystem Management
• Lead end-to-end vendor engagement: RFPs, PoC design, contract negotiation, and performance tracking.
• Build a curated vendor portfolio
• Stakeholder Collaboration
• Partner with Product, Operations, and Compliance teams to integrate tech solutions into workflows.
• Develop business case for projects demonstrating measurable outcomes
• Education & Awareness
• Design training programs to upskill teams on GenAI tools
• Create success stories/metric dashboards to drive enterprise-wide buy-in.
• Governance and Controls:
• Define AI governance principles in partnership with Legal, Risk, and Compliance.
• Oversee adherence to India's DPDP Act and global ethical AI frameworks.
• Ensure transparency, fairness, and auditability of deployed AI solutions.
• Relevant Metrics
• Case pipeline: No. of qualified use cases identified, PoC-to-production rate
• Business Outcomes: Revenue Delivery / Cost Savings
• Vendor Performance: Partner ROI, Scalability
• Stakeholder Adoption: Training completion rates, internal tool usage metrics

• Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
  
  

Nil

• Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives
  
  

Relationship Type Frequency Nature

Internal

CEO / CFO

Sales (DSF) and All Functions

Shareholders

On a regular / daily basis

On a regular Basis

Need Based / Monthly

Review Performance of all sales channels

Operating Plan for achieving Organizational Objectives

Expense Gap at Organizational level for timely mitigation

Competition Performance for Benchmarking

Performance Review, Ongoing Projects, Employee Development

Operating Plan, Important Projects, Board Review Presentations

Sharing Performance Updates / scorecards; discuss deviations and Plan for mitigation; Financial Viability of their initiatives; Understand their Goals and Build Operating Plan to achieve the same

Resolving Queries related to Monthly Performance Pack, Board Presentations, Operating Plan

External

Vendors, consultants

Need based

• Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.
  
  

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.

Job Holder

Reports to – Manager

Name

Signature (needed for the hard copy)