Financial services specialist who has worked in the sector for the last 23 years in multiple countries viz; Rwanda, India, Nigeria, Kenya, Zambia, Bhutan in various capacities, specifically in the areas of Retail and SME Banking-Strategy, operating model, Digital Banking, Product & Channel Development, Technology implementation, Financial analysis, M & A advisory, due diligence. Served at C level positions in Asia and Africa with banks viz ICICI Bank Ltd (India), First City Monument Bank (Nigeria), Chase Bank (Kenya) prior to moving to advisor & consulting domain, where he worked on advisory roles with financial institutions in Zambia, Rwanda, Ghana to name few. He spearheaded projects for Consumer/ Retail Banking, MSME Banking, Digital Banking, Commercial, Retail & Agriculture banking, Digital Lending etc.
Raj has authored 2 Amazon #1 Best Sellers on future of Banking viz; Digital The New Normal for Banks, and Artificial Intelligence in Banking & Finance. Raj is a commerce graduate (B.com.) and his professional qualification includes Chartered Accountant (FCA), Company Secretary (ACS), and Master of Business Administration in finance (MBA).