Raaju Raaj

A detail-oriented and results-driven banking backend professional with over two years of experience in handling Muthoot Fincorp loan products, including business loans and gold loans. Possesses strong expertise in Video PD (Personal Discussion), KYC and document verification, regulatory compliance, and backend operational processes. Demonstrated ability to lead and support teams, maintain high-quality standards, and consistently meet SLA requirements.

Seeking a responsible and challenging position in a growth-oriented organization where my operational expertise, compliance knowledge, and leadership capabilities can be effectively utilized to contribute to organizational efficiency and long-term success.

Senior Executive - Digitide Solutions Ltd - Chennai, Tamil Nadu

(2025-01)

• Owned end-to-end Video PD operations for customer identity verification, KYC validation, and regulatory compliance.
• Ensured high accuracy in customer and document verification during Video PD sessions by strictly following internal and regulatory guidelines.
• Reviewed and validated Video PD cases and recordings to identify discrepancies and ensure correct and compliant approvals.
• Led and supervised a backend operations team, managing task allocation, productivity tracking, quality control, and SLA performance.
• Trained and mentored team members on Video PD processes, KYC/AML standards, compliance requirements, and quality benchmarks.
• Handled escalations and complex cases, coordinating with internal stakeholders to ensure timely and effective resolution.
• Prepared and analyzed MIS reports to monitor team performance, case status, and overall operational efficiency.

Backend Office Executive - Digitide Solutions Ltd. (formerly Conneqt Business Solutions Pvt. Ltd.) - Chennai, Tamil Nadu

(2024-01 - 2025-01)

• Performed end-to-end document verification for Vyabarmithra Business Loan and Bandhan Plus Gold Loan products in line with Muthoot Fincorp credit and policy guidelines.
• Verified customer KYC documents including Aadhaar, PAN, address proof, photographs, income proof, and business-related documents.
• Reviewed business loan documents such as shop establishment certificates, GST registration, bank statements, and business proof for Vyabarmithra loans.
• Ensured accuracy, completeness, and authenticity of documents to meet regulatory, compliance, and internal audit standards.
• Handled NACH / eNACH mandate verification, ensuring correct bank details, mandate authorization, and successful registration as per process norms.
• Maintained proper system updates, documentation records, and audit trails for all verified loan cases.
• Supported backend loan processing to ensure timely approvals, disbursements, and SLA adherence while maintaining data confidentiality.

HR & Finance Interna - Shree Doodhaganga Krishna Sahakari Sakkare Karkhane Niyamit - Chikkodi, Karnataka

(2022-05 - 2022-08)

Internship supporting HR and Finance departments.

• Assisted the HR department with employee records, attendance management, and basic payroll-related documentation.
• Supported recruitment and onboarding documentation under supervision.
• Assisted the Finance department with data entry, voucher preparation, and maintenance of financial records.
• Supported preparation and verification of reports, registers, and statutory records.
• Helped in maintaining confidential employee and financial data.
• Gained exposure to organizational policies, internal controls, and compliance procedures.
• Coordinated with HR and finance staff to understand day-to-day administrative and financial operations.

Master of Business Administration - GEMS B SCHOOL (2026-05)

Bachelor of Commerce - JSS COLLEGE OF ARTS COMMERCE AND SCIENCE (2019 - 2022)

Pre-University Course - D BANNUMAIAH'S PU COLLEGE (2018 - 2019)

Secondary School Leaving Certificate - GOVERNMENT HIGH SCHOOL (2016 - 2017)