SURAJ SINGH
Sasaram
Summary
Results-driven professional with over 8 years of experience in merchant acquiring, SME lending, and relationship management. Skilled in driving merchant acquisition and implementing digital payment solutions. Currently serving as Cluster Head - Bihar, leading initiatives to enhance merchant engagement and streamline payment processes.
Overview
11
11
years of professional experience
Work History
Cluster Head - Bihar
Airpay
Bihar
02.2026 - Current
- Leading merchant acquisition and business growth for Airpay across Bihar.
- Currently handling the entire Bihar location, driving regional business growth and field execution.
- Driving deployment and adoption of QR, Soundbox, POS and Payment Gateway solutions across key merchant segments.
- Managing field execution, merchant onboarding, activation and relationship management to improve business outcomes.
- Developing strategic partnerships and market expansion opportunities with local institutions and business networks.
Solution Specialist III - B2B Sales
Pine Labs
Pune/PCMC
08.2025 - 02.2026
- Led sales and solutioning initiatives for Pine Labs POS (E600 Smart POS).
- Drove merchant acquisition across Retail, Jewellery, Hospitality, and Healthcare sectors with tailored multi-POS solutions.
- Delivered demos, onboarding, and after-sales support ensuring seamless merchant experience.
- Collaborated with ERP vendors and cross-functional teams to deliver customized payment integrations.
Cluster Manager - SME Business Loans
NeoGrowth Credit
Pune & Ahmedabad
01.2024 - 08.2024
- Led a 6-member team across Pune & Ahmedabad; achieved 110% of disbursement target (₹3 Cr/month average).
- Introduced NeoGrowth's digital lending model to local SMEs via partnerships with DSAs and fintech channels.
- Conducted weekly performance reviews, lead quality checks, and training sessions to improve funnel efficiency.
- Worked closely with risk and underwriting teams to reduce rejection ratio from 28% to 20%.
- Focused on high-potential clusters like MG Road (Pune) and Maninagar (Ahmedabad) for higher ticket-size loans.
Portfolio Manager
Axis Bank
Pune
12.2022 - 12.2023
- Managed POS/EDC acquiring for 40+ branches; increased merchant base by 300+ clients in 1 year.
- Achieved merchant activation rate of 75% through on-ground training & support drives.
- Cross-sold CASA, credit cards, and working capital loans to existing merchant customers.
- Mentored and managed a team of 8 executives; reduced attrition by creating a growth-oriented culture.
- Played a key role in digital onboarding through mPOS and SoftPOS initiatives.
Sales Manager
Bajaj Finserv
Mumbai
04.2021 - 07.2022
- Led FD and life insurance sales through DSA and in-house tele-sales teams.
- Generated ₹5 Cr+ FD business in 6 months through campaign-driven customer acquisition.
- Conducted product training and morning huddles to maintain productivity and motivation.
- Ensured 100% compliance with audit and documentation processes.
Client Relationship Manager
Yes Bank
Mumbai
04.2019 - 04.2021
- Managed 200+ HNI clients with a portfolio of ₹8 Cr.
- Conducted quarterly financial reviews and executed cross-sell plans for insurance and term deposits.
- Handled service requests, grievances, and escalations with 95% resolution within TAT.
- Collaborated with the branch manager to drive monthly product targets.
Assistant Team Lead
Bright Star Textile Trading LLC
Abu Dhabi
07.2017 - 01.2019
- Managed a team of 5 sales assistants; ensured 100% target achievement each quarter.
- Improved store walk-in conversion ratio by implementing structured selling techniques.
- Maintained high levels of customer retention through proactive follow-ups and after-sales service.
Sales Officer
Axis Bank
Mumbai
01.2016 - 03.2017
- Consistently exceeded monthly CASA targets by 120%.
- Conducted canopy activities and micro-events to improve walk-in traffic.
- Worked closely with compliance teams to ensure flawless account documentation.
- Recognized as 'Top Performer - CASA' in Mumbai South cluster (Oct 2016).
Education
Bachelor of Science - Mathematics
Veer Kunwar Singh University
Bikramganj, Rohtas, Bihar07-2015
Skills
- Merchant Acquiring
- SME Lending
- Billing/ERP Software Integration
- Client Relationship Management
- Multi-POS / Smart Terminal Solutioning
- Sales Team Leadership
- Regional Strategy & Execution
- Portfolio Management
Timeline
Cluster Head - Bihar
Airpay
02.2026 - Current
Solution Specialist III - B2B Sales
Pine Labs
08.2025 - 02.2026
Cluster Manager - SME Business Loans
NeoGrowth Credit
01.2024 - 08.2024
Portfolio Manager
Axis Bank
12.2022 - 12.2023
Sales Manager
Bajaj Finserv
04.2021 - 07.2022
Client Relationship Manager
Yes Bank
04.2019 - 04.2021
Assistant Team Lead
Bright Star Textile Trading LLC
07.2017 - 01.2019
Sales Officer
Axis Bank
01.2016 - 03.2017
Bachelor of Science - Mathematics
Veer Kunwar Singh University