Mr. Raju has vast and diverse experience in the regulation and supervision of Commercial Banks, Non-Banking Financial Companies (NBFCs), and Urban Co-operative Banks (UCBs) at the Reserve Bank of India. 

He is a seasoned professional with a keen eye for regulatory adherence. Mr. Raju holds a postgraduate degree in Commerce from Andhra University, an MBA from ICFAI University, and a law degree from Osmania University. He is also a Certified Associate of Indian Institute of Bankers.