Uttam Agrawal

About Uttam Agrawal

With over 18 years of progressive experience in Sales, Marketing, and Channel Management, I currently serve as the Zonal Head – Sales & Operations at RinovaPay, where I lead strategic initiatives to drive regional growth, optimize operational performance, and expand digital financial services. My role spans key fintech verticals including AEPS, Micro-ATM, DMT, BBPS, and utility payments, with a strong focus on delivering seamless financial access at the last mile. Throughout my career, I have demonstrated expertise in strategic sales execution, team leadership, marketing management, and channel development. I am passionate about building and mentoring high-performing teams, strengthening channel partner networks, and fostering long-term client relationships to ensure sustained business growth. Prior to RinovaPay, I held senior leadership positions including: • Zonal Head – North at Ezeepay • Circle Head (State Head) at Nearby Technologies Pvt. Ltd.(PayNearby) These roles enriched my experience in market expansion, territory management, and launching customer-centric fintech solutions across diverse geographies, particularly in rural and semi-urban markets. I bring a results-oriented approach with strong analytical skills, a deep understanding of the fintech ecosystem, and a commitment to operational excellence. I continuously explore AI-powered tools and digital innovations to enhance performance, improve service delivery, and align with evolving business goals. Driven by a passion for growth, innovation, and financial inclusion, I thrive in fast-paced, competitive environments where I can contribute to meaningful impact and sustainable success.

Experience

1. Zonal Head Sales & Operations Rinovapay

   Rinova Pay

   Jun 2025 — Present · Siwan Sadar, IN

   As the Zonal Head at **RinovaPay**, I lead strategic initiatives across my region to drive growth, optimize operations, and strengthen channel partner networks in the fast-evolving fintech ecosystem. My focus is on expanding digital financial services, enhancing customer experience, and ensuring high-performance execution across AEPS, Micro-ATM, DMT, BBPS, and other digital payment verticals. Key Responsibilities * Spearhead regional sales, operations, and revenue targets across assigned zones.* Recruit, train, and manage a high-performing team of Area Managers and Field Officers.* Build and nurture a robust network of B2B channel partners, retailers, and distributors.* Drive growth of core fintech services: AEPS, mATM, DMT, BBPS, UPI, and PAN-based offerings.* Ensure adherence to compliance, KYC norms, and RBI-regulated guidelines.* Collaborate with the product & technology team to localize innovations based on market feedback.* Monitor performance dashboards, implement cost-effective strategies, and boost profitability.* Represent RinovaPay at regional business meets and partner engagement programs.

Skills

• Key Account Management
• Sales Management
• Team Management
• New Business Development
• Business Development