Introduction:

We are seeking an experienced Head: Consumer Distribution to lead the strategy, performance and governance of all consumer-facing sales channels that distribute products to individual customers on behalf of RMA.

Description:

THE JOB AT A GLANCE

We are seeking an experienced Head: Consumer Distribution to lead the strategy, performance and governance of all consumer-facing sales channels that distribute products to individual customers on behalf of RMA.

This is a senior leadership role responsible for driving sustainable consumer sales growth, optimizing channel economics, and ensuring high-quality, compliant distribution aligned with regulatory requirements, underwriting standards, and strong customer outcomes.

WHAT YOU WILL DO

Distribution Strategy & Growth

• Define and execute a scalable consumer distribution strategy aligned to business and underwriter objectives


• Own the end-to-end performance of all consumer distribution channels, including payroll/stop order, direct, and intermediated channels


• Identify, develop, and manage new distribution partnerships and growth opportunities


• Ensure channels are efficient, profitable, and scalable.

Sales & Commercial Performance

• Deliver agreed sales, revenue, and growth targets


• Monitor and optimise conversion, persistency, and retention metrics


• Optimise pricing, incentives, and channel economics in collaboration with the underwriter


• Develop and manage sales forecasts and budgets.

Underwriter & Partner Management

• Act as the primary commercial interface with the underwriter for consumer distribution


• Ensure all distribution activity aligns with underwriting guidelines and risk appetite


• Support product launches, enhancements, and changes from a distribution perspective.

Compliance, Risk & Governance

• Ensure all consumer distribution activity complies with regulatory requirements and Treating Customers Fairly (TCF) principles


• Embed robust sales conduct, monitoring, and quality assurance frameworks


• Work closely with Compliance, Risk, and Legal teams to proactively manage regulatory and conduct risk.

Leadership & Stakeholder Engagement

• Build, lead, and develop high-performing consumer distribution teams


• Set clear performance objectives and accountability frameworks


• Foster a customer-centric, ethical, and performance-driven sales culture


• Provide regular performance reporting, insights, and recommendations to executive leadership


• Collaborate closely with Product, Operations, Finance, and Marketing teams.
  
  
  

WHAT YOU WILL GET IN RETURN

We offer great opportunities for personal and professional development in a stable company that is 132 years strong. The role comes with a competitive salary package and various benefits. Furthermore, you will be part of a dedicated group of colleagues who value teamwork and collaboration.

Turnaround time

The shortlisting process will only start once the advert due date has been reached. The time taken to complete this process will depend on how far you progress within the recruitment process and the availability of our managers. Kindly note that should you not receive a response within 21 days, please consider your application unsuccessful.

Closing date: 13th March 2026

Our Commitment to transformation:

In accordance with the employment equity plan of Rand Mutual Assurance and its employment equity goals and targets, preference may be given, but is not limited, to candidates from under-represented designated groups.

Requirements:

WHAT YOU'LL BRING TO THE TABLE

• Relevant business, finance, or commercial qualification


• Regulatory or industry certifications (Advantageous)


• 8–12+ years’ experience in consumer distribution, sales, or commercial leadership roles


• Proven track record selling regulated products to individual consumers


• Strong experience with underwriter-led or intermediary distribution models


• Demonstrated success managing multiple sales channels and large teams


• Strong commercial and strategic thinking


• Deep understanding of regulated consumer sales environments


• Excellent stakeholder, partner, and underwriter management skills


• Data-driven decision-making and performance management capability


• Proven leadership and people development experience.