Named agents that watch one domain each, ground in its 360, and recommend the next action — the reasoning layer over the mesh.
Each agent owns one job — collect renewal premium, defend VNB margin, protect the persistency & renewal book, cross-sell protection & annuity beyond ULIP, land the digital / STP & MDM programs, reconcile the golden channel record, hold new-business pricing, and lift distribution productivity. They read the same governed data the 360s show, surface the live finding, and recommend the move. This is the reasoning layer over the mesh.
Every card reads the same governed data its 360 shows — a live finding, the recommended move, and the value at stake.
Finding. ₹125 Cr of premium is past the grace period (>60d) at lapse risk; premium collection runs at 14d vs the 12d target on the ₹58,740 Cr renewal book.
Recommends. Run a renewal-recovery sprint on the past-grace book + auto-debit re-tries and SBI-branch nudges — pulling collection to target frees ~₹555 Cr of float.
Finding. VNB margin 27.5% sits 1.5 pts below the 29% target — one-off GST-ITC drag on an ULIP-heavy mix; total cost ratio 10.6% (still lowest among large peers).
Recommends. Shift the mix to protection, non-par savings & annuity and hold cost & reinsurance discipline; re-price non-par post surrender-norms to rebuild margin toward 29%+.
Finding. ₹7.30k Cr of renewal premium is at risk of lapse across the next four quarters; 13M persistency 87.9% is best-in-class but the 61M cohort dip is the watch-item.
Recommends. Trigger save-plays on at-risk renewals and a targeted win-back on 2020-21 (COVID) cohorts; lift 13M persistency toward the 90% target to protect renewal premium & EV.
Finding. ₹22.80k Cr of cross-sell / growth whitespace across channels; SBI Bancassurance (parent 22,000 branches) alone has ₹9.00k Cr of untapped protection → annuity → non-par reach into the SBI-banked base.
Recommends. Attach protection & annuity to the mass-affluent SBI-banked book, deepen partner-bank & agency reach, and rebalance away from ULIP concentration.
Finding. ₹47.50k Cr of product-family GWP is still on the transformation path; eShield Next (Protection) lags at 66% program capture.
Recommends. Sequence eShield on a dated 90-day recovery plan — banks paperless STP issuance, persistency automation and mix-shift benefits into VNB & EV.
Finding. Channels (e.g. CSC & Micro-insurance at 16d collection) carry conflicting terms across Policy Admin, Bancassurance CRM & the Agency portal — no single golden record.
Recommends. Reconcile term conflicts on the golden channel master; de-duplicate partner-bank / broker codes and standardize across systems to protect renewal migration & reporting.
Finding. Standalone broker & Bima Sugam illustration tools discount at 5% vs 4% on the governed banca engine — straight margin leakage on new business.
Recommends. Migrate broker & marketplace pricing onto the governed illustration / login engine with one approval flow; protect new-business margin.
Finding. IT, Digital & Investments runs lowest at 84% utilization with 160 open reqs — licensed capacity already funded.
Recommends. Lift activation with common enablement, shared services & digital tooling; converts licensed & funded capacity into new-business production.
Grounded in the live cockpit snapshot via Azure OpenAI.