GENERAL MANAGER

TERMS OF REFERENCE (TOR)

GENERAL MANAGER

Takaful Insurance Services  •  Shared Risk & Protection

Organization: Wadaag Insurance

Position Title: General Manager

Duty Station: Headquarters (Hargeisa) & Regional Branches

Reporting To: Chief Executive Officer (CEO)

01  THE PURPOSE

The General Manager is responsible for leading, coordinating, and executing all day-to-day insurance operations across headquarters and regional branches. This includes driving business growth, ensuring Sharia compliance, supervising regional teams, and maintaining technical underwriting standards across (General and Family) e.g motor, medical, travel, and goods-in-transit lines.

Additionally, a core objective of this assignment is to leverage regional technical expertise in rural development, livestock, and agricultural value chains to enhance food security, improve market system efficiency, and build community climate resilience across local and regional market hubs.

02  KEY RESPONSIBILITIES

A. Core Insurance Operations & Corporate Risk Leadership

▪  Insurance Program Management

•  Develop, implement, and manage comprehensive insurance programs to protect the organization’s assets and mitigate risks.

•  Evaluate and recommend appropriate coverage options, including property, liability, business interruption, and specialty insurance.

▪  Industry Relations

•  Leverage existing industry relationships to negotiate favorable terms and premiums with insurance professions brokers, carriers, and underwriters.

•  Stay updated on industry trends, regulations, and emerging risks to ensure alignment with best practices.

▪  Risk Assessment and Analysis

•  Conduct risk assessments for existing and new operations, projects, and assets.

•  Collaborate with internal stakeholders to identify and mitigate potential risks, ensuring alignment with corporate objectives.

▪ Bids, Tenders & Proposal Management:

•  Lead the identification, preparation, review, and timely submission of competitive bids, tenders, and proposals (both technical and financial) in response to Requests for Proposals (RFPs) and Requests for Quotations (RFQs).

•  Coordinate across technical, finance, and operational teams to ensure all tender documentation is accurate, competitive, and fully compliant with client and regulatory requirements.

▪  Claims Management

•  Oversee the claims process, ensuring timely and accurate filing, negotiation, and resolution.

•  Serve as the primary point of contact for insurance carriers and adjusters.

▪  Compliance and Reporting

•  Ensure compliance with regulatory and contractual insurance requirements.

•  Prepare and present reports on insurance coverage, claims, and risk mitigation strategies to senior leadership.

▪  Cross-Functional Collaboration & Governance

•  Work closely with various departments, including finance, legal, and operations, to ensure comprehensive insurance coverage and risk management.

•  Formulate policies that promote Wadaag Insurance’s vision.

•  Prepare quarterly operational performance reports for the CEO.

B. Rural Development, Agricultural Value Chains & Climate Resilience

The General Manager must also lead technical initiatives across the following four pillars:

Value Chain & Market Feasibility Assessments

•  Conduct comprehensive value chain mappings across agricultural, livestock, and blue economy sectors to identify structural bottlenecks, market gaps, and post-harvest losses.

•  Assess the technical, logistical, and financial viability of small-to-medium-scale processing facilities, aggregation hubs, and local enterprise models.

Business Development Services (BDS) & Capacity Building

•  Design, tailor, and deliver BDS training packages and business management curricula for local cooperatives, MSMEs, and rural entrepreneurs.

•  Provide one-on-one coaching, financial literacy instruction, and business planning support to facilitate market expansion and access to capital.

Agricultural Risk Management & Financial Inclusion

•  Support the integration of climate-resilient mechanisms, such as parametric microinsurance (Index-Based Livestock Insurance / Takaful) and revolving microfinance funds.

•  Facilitate linkages between smallholder producers, microfinance institutions (MFIs), local aggregators, and commercial buyers.

Monitoring, Evaluation & Stakeholder Coordination

•  Design and deploy digital data-gathering systems to establish baselines, execute post-training assessments, and monitor intervention impacts.

•  Coordinate between international development partners, local government authorities, private sector actors, and community leadership.                                            

 03  REQUIRED QUALIFICATIONS & COMPETENCIES

TECHNICAL COMPETENCIES

KEY BEHAVIORAL & LEADERSHIP COMPETENCIES

▪  Academic Qualification: Master’s degree in Business Administration, Finance, Risk Management, or any related field.

▪  Professional Certifications: Associate in Risk Management (ARM), Certified Insurance Counselor (CIC), or any related certificate will be an advantage.

▪  Management Experience: Minimum of 3–4 years of experience in insurance management, with at least 5 years in a management role in any related field.

▪  Regulatory Expertise: In-depth knowledge of insurance regulations and compliance requirements.

▪  Industry Network: Extensive industry relations and experience in asset-heavy industries.

▪  Strategic Risk Acumen: Strong background in insurance strategy, risk management, and policy development.

▪  Operational Track Record: Proven ability to manage insurance programs and end-to-end claims processes.

▪  Long-Term Vision: Strategic thinking with a focus on long-term risk mitigation.

▪  Cross-Functional Leadership: Ability to work collaboratively across functions and organizational levels.

▪  Agility & Resilience: Adaptability to a fast-paced and evolving business environment.

Send your updated CV to this email: [email protected] Before the deadline: 30th November 2026