Saad Ghosn
Insurance Professional
Toronto,Ontario
Summary
A bilingual insurance professional with a strong background in life, health, and general insurance. Holds the prestigious Fellow, Life Management Institute (FLMI)designation, along with a Diploma in Insurance (Dip. CII) and a Certificate in Risk Management. With extensive industry knowledge and a commitment to excellence, adept at providing expert risk assessment, policy analysis, and client-focused solutions. Fluent in English and Arabic with moderate command in French language, ensuring seamless communication with a diverse clientele. Passionate about delivering high-quality insurance services with integrity and professionalism.
Overview
30
30
years of professional experience
7
7
years of post-secondary education
6
6
Certifications
3
3
Languages
Work History
Deputy Country Manager
Arabia Insurance Co
Doha
01.2020 - 09.2022
- Developed relationships and partnered with 12 new brokers and typically exceeded sales goals by 37%.
- Achieved sales number of $2.6M compared to $879K from June till Dec. 2018 when first joined.
- Trained and developed team of 6 Sales Executives who achieved $1.7M worth of total production one year.
- Improved company’s exposure in Qatari market which resulted in increase of 30% in its clients base by actively deploying marketing and sales strategies through various distribution channels.
Broker Relations Manager
Arabia Insurance Co
Doha
05.2018 - 12.2020
- Exceeded sales goals by 20% through effective task prioritization and great work ethic.
- Increased number of brokers from 9 brokers to 21 brokers in 8 months period by building new relationships and maintaining strong tie-ups.
- Improved retention ratio by 15% over past years by closely following and monitoring renewal business through brokers channel.
- Implemented digital process which resulted in 35% reduction in administrative workload.
Head of Dept. HR/Admin./ PR
Commodore Qatar Contracting Co
Doha
05.2016 - 10.2017
- Managed and reviewed all company's insurance requirements and needs related to (CAR, WC, Motor Fleet and Health).
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Developed and maintained courteous and effective working relationships.
Business Development Manager
Shield Insurance Services
06.2015 - 05.2016
- Performed research to uncover potential target areas, markets and industries.
- Screened potential business deals by analyzing market strategies, deal requirements, potential, and financials; evaluating options; resolving internal priorities; recommending equity investments
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
- Developed and promoted successful company sales and account management personnel into leadership positions to drive company growth.
Agency Executive
METLIFE Gulf
02.2010 - 02.2015
- Ensured that qualitative and quantitative expected results are attained in profitable and sustainable manner and within defined financial parameters.
- Ensured that Agency Outlets assigned provide high-quality, reliable service to customers during initial sales process and throughout life of each policy.
- Worked closely with Compliance Officer to ensure that Regulatory Authority (QFCRA) remains at forefront of regulatory developments, and input into development of new policies and supervisory activities
- Managed Sales Team of 46 agents by ensuring proper work allocation and supervision by ensuring that skills and experience of any subordinates are appropriately developed.
Agency Executive
AMERICAN LIFE INSURANCE CO
09.2006 - 01.2010
- Supervised and monitored all sales activities of 46 agents related to Banc-assurance with Oman Arab Bank.
- Increased persistency ratio to 85% by improving customer service quality results through studying, evaluating, and re-designing processes.
- Maximized customer operational performance by providing help desk resources and technical advice; resolving problems; disseminating advisories, warnings, and new techniques; detecting and diagnosing network problems.
- Proposed challenging budget objectives for Agency Outlets assigned, in the context of overall company goals and implemented the decided strategies and action plans, which will ensure their achievement.
Marketing Executive
AMERICAN LIFE INSURANCE CO
12.2004 - 08.2006
- Assisted the Gulf Marketing Manager in developing and executing marketing programs to increase product exposure through our field force.
- Identified value propositions and key messages for company marketing campaigns.
- Identified target audiences and devised campaigns to match target demographics and optimize results.
- Boosted brand awareness and generated leads while managing internal and external marketing campaigns and programs.
Assistant Claims Manager
AMERICAN LIFE INSURANCE CO
03.1998 - 11.2004
- Assisted customers with their queries and communicated requirements related to status of their claims.
- Responsible for investigating and evaluating multi-line claims of up to moderate complexity to determine coverage available to policyholders and claimants.
- Adjudicated and monitored Disability and Life claims by applying terms and conditions of contract.
- Documented and communicated timely claims information while supporting accurate outcomes.
Sales Manager
GULF FACILITIES & TRADING
06.1993 - 02.1998
- Established and cultivated solid business relationships with new or existing customers.
- Targeted and prospected for new business through telemarketing, individual creativity and innovation.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Developed and implemented comprehensive business strategies and sales and marketing plans that complemented overall corporate operating plan.
Medical Network Manager
Allianz - Nextcare
Doha, Doha
06.2023 - 07.2023
- Increased network reliability by conducting regular audits, identifying vulnerabilities, and recommending corrective actions.
- Delivered cost savings by negotiating contracts for telecommunications services and hardware purchases.
- Established clear communication channels within the team to improve overall collaboration on projects.
- Improved network performance by implementing advanced monitoring tools and troubleshooting techniques.
Education
Master of Quality Management - Quality Management
University of Wollongong in Dubai
Dubai, UAE 01.2004 - 11.2005
Graduate Certificate - Management
Central Queensland University
Dubai, UAE 01.1998 - 06.1998
Bachelor of Arts - Business Management
Notre Dame University (NDU)
Zouk Mosbeh, Lebanon 01.1988 - 07.1992
Skills
PROFESSIONAL SKILLSundefined
Certification
Dip. CII - Level 4 - Chartered Insurance Institute
Training Courses
- Completed 87 hours of ICF-approved Life Coaching Training with Empower World 2018
- Leading with Emotional Intelligence – American Management Association 2017
- Agency Executive Program – Partnering to Drive Productivity 2015
- People Management Skills Training 2014
- Compliance and AML training 2013
- Avoiding Bribery and Corruption: A Global View 2012
- Information Security for Financial Sector 2011
- Anti-Money Laundering for Life Insurance Companies 2011
- Understanding Records and Information Management 2008
- Sales Management Development Program – Agency Best Practices 2006
- Marketing Breakthrough Workshop – Accident & Health Division 2004
- Divisional Claims Seminar 2003
- Edward De Bono’s Six Thinking Hats Course 2001
- Customer Service Excellence and Service Quality 2001
- Divisional Claims Seminar 1999
Timeline
Medical Network Manager
Allianz - Nextcare
06.2023 - 07.2023
Dip. CII - Level 4 - Chartered Insurance Institute
12-2022
Cert. CII - Level 3 - Chartered Insurance Institute
06-2021
Deputy Country Manager
Arabia Insurance Co
01.2020 - 09.2022
Broker Relations Manager
Arabia Insurance Co
05.2018 - 12.2020
Head of Dept. HR/Admin./ PR
Commodore Qatar Contracting Co
05.2016 - 10.2017
Business Development Manager
Shield Insurance Services
06.2015 - 05.2016
Agency Executive
METLIFE Gulf
02.2010 - 02.2015
Agency Executive
AMERICAN LIFE INSURANCE CO
09.2006 - 01.2010
Marketing Executive
AMERICAN LIFE INSURANCE CO
12.2004 - 08.2006
ISO 9000: 2000 Series – Practical Quality Auditing
05-2004
Master of Quality Management - Quality Management
University of Wollongong in Dubai
01.2004 - 11.2005
Fellow, Life and Health Claims - LOMA Jan. 2004
01-2004
Fellow, Life Management Institute, FLMI - LOMA
05-2003
Underwriting Life and Health Insurance, ULHI - LOMA
05-2001
Assistant Claims Manager
AMERICAN LIFE INSURANCE CO
03.1998 - 11.2004
Graduate Certificate - Management
Central Queensland University
01.1998 - 06.1998
Sales Manager
GULF FACILITIES & TRADING
06.1993 - 02.1998
Bachelor of Arts - Business Management
Notre Dame University (NDU)
01.1988 - 07.1992
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