Raju Chourasia

• Spearhead product development for POS, QR, and Sound Box solutions, translating strategic goals into actionable product outcomes.
• Designed and implemented the complete POS product roadmap, from requirement gathering and prototyping to pilot rollout and nationwide implementation.
• Partnered with technology, compliance, risk, and operations teams to ensure product scalability, regulatory compliance, and superior merchant experience.
• Developed analytics dashboards in Instabiz App for real-time tracking of merchant transaction POS and QR transactions.
• Collaborated with sales channels to design go-to-market strategies, training programs, and onboarding initiatives.
• Oversaw product profitability, merchant lifecycle management, and continuous product innovation aligned with market trends.
• Mentored cross-functional teams in agile methodologies and product-driven execution.

• Managed all sales processes and quality parameters for the sourcing of QR and Sound Box businesses.
• Created and implemented sales strategies to achieve business objectives and revenue targets.
• Engaged with senior leadership and branch banking teams to drive the sales roadmap.
• Collaborated with marketing, technology, compliance, and operations to ensure a seamless merchant experience.
• Monitored portfolio performance through KPIs to evaluate profitability and growth opportunities.
• Developed reactivation strategies for inactive merchants to boost engagement and profitability.
• Partnered with marketing and sales teams to design promotional campaigns and merchant engagement programs.
• Analyzed market trends and competitor strategies to shape future initiatives.

• Directed end-to-end operations of QR, Sound Box, and POS businesses across the Mumbai region with full P&L accountability.
• Managed a workforce of 750+ professionals, including city managers, ASMs, TSMs, KAMs, and FSEs.
• Executed go-to-market strategies that achieved double-digit growth in merchant acquisition and revenue.
• Strengthened collaboration between product, marketing, and operations teams to optimize the merchant lifecycle.
• Launched merchant retention and reactivation frameworks that increased engagement and profitability.
• Conducted training and awareness programs to promote digital transaction adoption and merchant activation.

• Oversaw P&L for online trucking marketplace operations, managing a 40-member team across key transport clusters.
• Built strong B2B relationships with fleet owners and logistics partners.
• Launched digital engagement initiatives, resulting in increased app-based transactions by transporters.

• Managed sales and distribution for prepaid and Airtel Payments Bank businesses across Bihar.
• Drove digitization initiatives across multi-channel distribution networks in both rural and urban markets.
• Partnered with marketing and technology teams to implement sales tools such as Goal App and Revenue App.
• Mentored field sales teams on performance tracking, data analytics, and business planning.
• Improved sales productivity, partner engagement, and operational visibility through process innovation.

• Generated credit card sales for entire Jharkhand region through various channels.
• Led team of 15 Sales Officers to enhance business efficiency.
• Liaised with RM, Branch Managers, and Cluster Managers to drive sales volume.
• Developed strategies for credit card business via PL, Car Loan, BB, HL, and outdoor promotions.
• Managed team development to boost sales productivity and bank product performance.
• Conducted timely training sessions for branch staff on new products and features.

• Managed United Bank of India channel to drive life insurance sales growth.
• Led a team of 7 TSM to optimize business performance through bank channels.
• Collaborated with Branch and Cluster Managers across Jharkhand to boost sales volume.
• Conducted timely training sessions for branch staff on insurance products.
• Developed team members to enhance sales volume and overall productivity.

Managed multiple verticals of ICICI Bank, including Wealth, ERV, and NRI for life insurance sales.

• Liaised with Cluster Head, Branch Manager, RM, and staff to enhance life insurance sales volume.
• Analyzed financial needs of HNI customers, offering a diverse range of superior products and services.
• Monitored client portfolio performance and conducted profitability analysis to improve ROI and retention.
• Assisted clients in designing insurance portfolios for optimal risk-adjusted returns.
• Evaluated individual risk appetites to provide tailored investment solutions matching their profiles.