RAJU GUHA ROY

[email protected] • +917602590424

PROFESSIONAL SUMMARY

Dynamic banking professional with over 3 years of expertise in retail and digital banking, credit assessment, and risk management, driving operational excellence and financial security. Demonstrated success in reducing credit risk by 15% through meticulous evaluation and fraud prevention strategies at Bank of Maharashtra. Skilled in managing customer accounts, KYC compliance, and digital banking operations, with a proven track record of enhancing customer satisfaction and ensuring regulatory adherence. Committed to leveraging analytical and investigative skills to protect organizational assets and support sustainable growth in the financial services sector.

WORK EXPERIENCE

AXIS BANK CSP
09/2021 - 11/2024
AXIS BANK , NABADWIP, NADIA, WB -741315
• Assisted customers with banking services including account opening, deposits, withdrawals, and fund transfers.
• Handled AEPS (Aadhaar Enabled Payment System) transactions and digital banking operations efficiently.
• Managed customer KYC documentation and ensured compliance with Axis Bank and RBI guidelines.
• Provided assistance in loan applications, credit card services, and recurring deposit accounts.
• Offered doorstep banking support to rural and semi-urban customers for financial inclusion.
• Promoted Axis Bank’s digital products such as UPI, internet banking, and mobile banking.
• Maintained accurate daily transaction records, cash management, and reports for the branch.
• Delivered excellent customer service and consistently met performance and account-opening targets.
BANKING AGENT
10/2019 - 08/2021
AIRTEL PAYMENT BANK , MAHESHGANJ, NABADWIP, NADIA, WB -741315
• Led the onboarding of over 150 new savings and current accounts monthly, driving a 20% increase in customer base for Airtel Payment Bank
• Executed cash deposits, withdrawals, and money transfers with 99.9% accuracy using advanced digital banking platforms, enhancing transaction efficiency
• Promoted and upsold Airtel Payment Bank services including mobile recharges, bill payments, and insurance products, contributing to a 15% revenue growth quarter-over-quarter
• Ensured 100% compliance with KYC and RBI guidelines through meticulous verification and documentation, reducing audit discrepancies by 30%
BANKING AGENT
03/2017 - 09/2019
PAYTM PAYMENT BANK , MAHESHGANJ, NABADWIP, NADIA, WB - 741315
• Facilitated over 1,000 daily customer transactions including deposits, withdrawals, and fund transfers, increasing branch transaction efficiency by 20%
• Educated and assisted customers in adopting digital banking solutions, resulting in a 15% growth in active mobile wallet users within six months
• Ensured compliance with banking regulations and security protocols, reducing transaction errors by 10% and enhancing customer trust
• Collaborated with the Paytm Payment Bank team to resolve customer issues promptly, achieving a 95% customer satisfaction rating
BANK BC/BF
Bank of Maharashtra , KRISHNANAGAR, NADIA, WB - 741315
• Providing banking services to customers under the Business Correspondent model of the Bank of Maharashtra.
• Assisting customers with new account openings, deposits, withdrawals, fund transfers, and balance inquiries.
• Handling AEPS (Aadhaar Enabled Payment System) transactions and digital banking operations.
• Ensuring accurate KYC verification and documentation as per bank and RBI guidelines.
• Promoting various government schemes and social security products such as PMJJBY, PMSBY, and APY.
• Supporting loan application processing and repayment collections in coordination with branch officials.
• Conducting financial awareness activities and encouraging digital banking adoption in rural areas.
• Maintaining daily transaction records and preparing reports for branch submission.
• Delivering excellent customer service and achieving assigned targets consistently.

EDUCATION

Bachelor of Arts
01/2012 - 12/2016
UNIVERSITY OF KALYANI , KALYANI , WEST BENGAL

SKILLS

CERTIFICATIONS

certification exam for Business Correspondents (BCs) and Business Facilitators (BFs)
11/2023
Indian Institute of Banking & Finance (IIBF)