Sarfaraz
New Delhi
Summary
Results-oriented Business & Operations Manager with 7 years in FinTech and Digital Banking. Expertise in driving AEPS, DMT, mATM, CMS, CASA, Insurance, and Lending initiatives across diverse markets. Managed Pan-India operations and led teams, distributors, and networks, achieving significant revenue growth and business expansion.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Business & Operations Manager (Pan India) – Head Office
CSC e-Governance Services India Ltd.
Noida
09.2025 - Current
- Leading DigiPay business and operations across India.
- Managing and coordinating with 36 State SPOCs nationwide.
- Monitoring state-wise business performance, targets, and growth initiatives.
- Driving AEPS, DMT, and mATM business across the DigiPay ecosystem.
- Conducting state workshops, training programs, and strategic review meetings.
- Managing operational escalations and CRM issues for over 5.5 lakh VLEs.
- Coordinating with Product, Technology, and Operations teams for service enhancement.
- Overseeing VLE KYC approvals, wallet management, and service enablement processes.
- Ensuring seamless DigiPay operations and user experience across India.
- Managing monthly transaction volume of ₹1,400–1,500 Crore.
- Driving business growth through 36 State SPOCs.
- Maintaining 1.35+ lakh active DigiPay VLEs nationwide.
- Successfully leading DigiPay operations from CSC Head Office.
Sales Manager
Mintifi Finserve Pvt. Ltd.
Shahjahanpur
05.2024 - 11.2024
- Cultivated relationships with anchors, dealers, distributors, and sub-dealers to drive collaboration and business growth.
- Generated new business opportunities and lending prospects.
- Increased portfolio utilization and AUM growth.
- Enhanced portfolio utilization and business growth.
- Broadened dealer and distributor network to enhance market reach and increase lending opportunities.
- Promoted inventory funding and working capital solutions.
- Created quality lending opportunities through strategic relationship management.
- Managed Supply Chain Finance (SCF), secured and unsecured loan products.
Territory Sales Manager
Rapipay Fintech Pvt. Ltd.
Bareilly
12.2023 - 05.2024
- Managed AEPS, DMT, IRCTC, mATM, QR, and Soundbox businesses.
- Onboarded merchants and BCs across assigned territory.
- Generated business loan leads through field sales activities.
- Managed collection and overdue recovery processes.
- Promoted unsecured business lending products.
- Onboarded 30+ BCs monthly.
- Generated 10–15 business loan disbursements per month.
- Facilitated growth of merchant and retailer network through targeted outreach, increasing market penetration and customer engagement.
Zonal Territory Manager
Airtel Payments Bank Ltd.
Surat
05.2023 - 12.2023
- Drove AEPS, DMT, CASA, insurance, BBPS, CMS, and loan businesses, contributing to overall revenue growth.
- Managed over 1,400 BC points across rural and semi-urban markets.
- Achieved 3,500–4,000 monthly account openings.
- Expanded financial inclusion and digital banking services.
- Generated ₹20+ Crore monthly business volume.
- Achieved 3,500–4,000 monthly account openings.
- Maintained 750–800 active BC points.
- Expanded financial inclusion and digital banking services.
Territory Sales Manager
Fino Payments Bank Ltd.
Bareilly
11.2022 - 04.2023
- Managed district-level banking and financial inclusion initiatives, enhancing service delivery.
- Led Customer Relationship Officers, driving achievement of revenue targets through strategic guidance.
- Drove growth in CASA, AEPS, DMT, CMS, and Insurance sectors, expanding product reach.
- Attained district revenue targets through effective planning and execution.
- Established new BC and distributor partnerships to enhance service reach.
- Facilitated onboarding of 25–30 business correspondents each month to expand outreach.
- Improved banking product penetration across the territory.
Business Development Executive
Airtel Payments Bank Ltd.
Kichha
10.2020 - 11.2022
- Managed a network of 200 active BCs.
- Trained BCs on banking and insurance products to enhance service delivery.
- Promoted account opening, AEPS, DMT, insurance, and financial services.
- Established partnerships with corporate clients to drive salary account openings.
- Processed the opening of 800 to 1,000 savings accounts each month at the branch.
- Onboarded 30–40 BCs every month.
- Increased salary account acquisition by coordinating corporate tie-ups.
Sales Officer (SO Promoter)
Bharti Airtel Ltd.
Bareilly
03.2019 - 09.2020
- Acquired new customers and generated revenue through direct sales, contributing to overall sales targets.
- Executed MNP, prepaid, and postpaid activations through field sales, expanding customer base.
- Cultivated partnerships with retailers and distributors, strengthening market presence and collaboration.
Manager – Sales & Distribution (Delhi State)
CSC e-Governance Services India Ltd.
Delhi
12.2024 - 2025
- Managed Digipay Business (Sales & Distribution) across Delhi State.
- Successfully managed 6 District Managers.
- Consistently achieved state-level Business volume and revenue goals.
- Generated ₹10+ Crore monthly business volume.
- Achieved ₹4 Lakh monthly revenue targets.
- Drove adoption of AEPS, DMT, and mATM services.
- Ensured doorstep banking services through CSC centers.
- Supported PM-KISAN beneficiaries, pensioners, widows, and differently abled customers.
Education
Bachelor of Arts (B.A.) -
Mahatma Jyotiba Phule Rohilkhand University
Bareilly01-2022
Intermediate (12th) -
Government Inter College
Bareilly01-2019
High School (10th) -
Government High School Alinagar
Bhojipura01-2017
Skills
- Business Operations Management
- P&L management
- Strategic Planning
- Performance Management
- Process Optimization
- Stakeholder Management
- Sales Leadership
- Territory Management
- Channel Development
- Distributor Management
- Team Management
- Risk Management
- Market analysis
- Loan Management
- Data Analysis
- Business Intelligence
- MIS Reporting
- CRM Management
- CRM Tools
- MS Excel
- MS Word
- PowerPoint
- Problem Resolution
Certification
Advanced Diploma in Computer Applications (ADCA), Jai Sachidanand Computer Education, Bareilly, 2020 – 2021
Accomplishments
- Promoted to CSC Head Office within the organization based on performance.
- Managing Pan India DigiPay operations covering 5+ lakh VLEs.
- Driving ₹1,400–1,500 Crore monthly transaction volume nationwide.
- Generated ₹10+ Crore monthly business volume at Delhi State level.
- Successfully managed teams ranging from field executives to State SPOCs.
- Extensive experience in AEPS, DMT, mATM, Lending, Insurance, CMS, CASA, and Financial Inclusion.
- Consistent record of exceeding sales, operational, and revenue targets.
Disclaimer
I hereby declare that the information furnished above is true and correct to the best of knowledge and belief.
Languages
- Hindi
- English
Personal Information
- Father's Name: Sabir Khan
- Date of Birth: 20/07/2000
- Nationality: Indian
- Marital Status: Married
Timeline
Business & Operations Manager (Pan India) – Head Office
CSC e-Governance Services India Ltd.
09.2025 - Current
Manager – Sales & Distribution (Delhi State)
CSC e-Governance Services India Ltd.
12.2024 - 2025
Sales Manager
Mintifi Finserve Pvt. Ltd.
05.2024 - 11.2024
Territory Sales Manager
Rapipay Fintech Pvt. Ltd.
12.2023 - 05.2024
Zonal Territory Manager
Airtel Payments Bank Ltd.
05.2023 - 12.2023
Territory Sales Manager
Fino Payments Bank Ltd.
11.2022 - 04.2023
Business Development Executive
Airtel Payments Bank Ltd.
10.2020 - 11.2022
Sales Officer (SO Promoter)
Bharti Airtel Ltd.
03.2019 - 09.2020
Bachelor of Arts (B.A.) -
Mahatma Jyotiba Phule Rohilkhand University
Intermediate (12th) -
Government Inter College
High School (10th) -
Government High School Alinagar