Raja Ram Meena
Business Analyst, Product And Policy, Banking Strategy, Trade Finance
Jaipur
Summary
Banking professional with 11+ years of progressive experience across business analysis, policy & product development, deposit and liability strategy, credit, trade finance (forex), regulatory compliance, and branch leadership. Joined Punjab National Bank as a Management Trainee and progressed to Chief Manager through merit-based promotions. Experienced in Head Office–level policy formulation and product development as well as large branch business management (₹750+ crore). Seeking a Business Analyst / Strategy role at AU Small Finance Bank to support data-driven growth, product optimisation, and regulatory excellence.
Overview
12
12
years of professional experience
6
6
Certifications
Work History
Chief Manager / Branch Manager
Punjab National Bank
05.2025 - Current
- Branch Business Managed: ₹750+ Crore (Liabilities, Credit & Forex)
- Head of branch operations managing liability, credit, and forex business portfolios.
- Analyze branch performance across CASA, deposits, advances, profitability, NPAs, and trade finance income.
- Prepare business MIS, dashboards, variance analysis, and trend reports for senior management.
- Lead credit appraisal, monitoring, recovery, and portfolio quality improvement.
- Oversee export–import forex transactions and trade finance income generation.
- Drive business growth through data-backed planning and execution.
Chief Manager
Punjab National Bank
04.2022 - 04.2025
- Worked at Head Office handling deposit and liability business strategy.
- Actively involved in policy development, review, and modification of deposit and liability products.
- Contributed to new product development, including product design, features, pricing inputs, and rollout support.
- Ensured regulatory compliance of existing and new products with RBI and internal policies.
- Analyzed product performance, customer behaviour, and market competitiveness.
- Prepared business analytics, policy notes, and management reports for senior leadership.
- Coordinated with multiple stakeholders including operations, IT, compliance, and business teams.
- Directed marketing efforts leading to increased brand awareness and a growing customer base.
- Managed a team of professionals to achieve organizational goals and maintain high productivity levels.
- Collaborated with cross-functional teams to optimize workflow processes, increasing overall productivity rates.
Senior Manager
04.2019 - 03.2022
- Managed inspection reports and compliance with RBI and internal banking guidelines.
- Identified control gaps, operational risks, and regulatory deviations through inspection analysis.
- Prepared compliance action plans and ensured timely closure of audit observations.
- Strengthened governance and internal controls through process improvement initiatives.
Manager
06.2017 - 03.2019
- Managed export–import trade finance operations under FEMA and UCP guidelines.
- Handled opening, amendment, and monitoring of Foreign Letters of Credit (FLC).
- Processed Foreign Letters of Guarantee (FLG) and other trade instruments.
- Acted as FEMA Manager for trade finance business.
- Scrutinized trade documents and assessed transactions for risk and compliance.
Deputy Manager
01.2016 - 05.2017
- Conducted credit appraisal and financial analysis for retail and MSME borrowers.
- Evaluated financial statements, cash flows, ratios, and industry risks.
- Supported branch business planning and CASA growth initiatives.
Management Trainee
Punjab National Bank
01.2014 - 01.2016
- Completed structured, high-quality training across all areas of banking operations.
- Received intensive training in Credit and Foreign Exchange (Trade Finance).
- Gained end-to-end exposure to branch operations, lending, forex, and regulatory processes.
Programmer Analyst
Cognizant Technology Solutions
- Worked on software development and system implementation projects.
- Built strong foundations in data handling, reporting logic, and structured problem-solving.
Education
B.Pharm/Pharmaceutical Engineering -
Indian Institute of Technology BHU Varanasi
Varanasi, India 04.2001 -
Skills
Business Analysis
Policy Development
Product Development
Trade Finance
Forex Operations
FEMA
Regulatory Compliance
Certification
Certified Banking Compliance Profession Course, IIBFal
Timeline
Chief Manager / Branch Manager
Punjab National Bank
05.2025 - Current
Certified Banking Compliance Profession Course, IIBFal
03-2024
Chief Manager
Punjab National Bank
04.2022 - 04.2025
Certification Course in Risk Management, NIBM, PUNE
10-2021
Certified Treasury Professional,IIBF
07-2020
Senior Manager
04.2019 - 03.2022
Certificate Course in Foreign Exchange,IIBF
11-2018
Manager
06.2017 - 03.2019
CAIIB (Certified Associate of Indian Institute On Bankers)
03-2017
JAIIB (Junior Associate of Indian Institute On Bankers)
01-2016
Deputy Manager
01.2016 - 05.2017
Management Trainee
Punjab National Bank
01.2014 - 01.2016
B.Pharm/Pharmaceutical Engineering -
Indian Institute of Technology BHU Varanasi
04.2001 -
Programmer Analyst
Cognizant Technology Solutions