It’s such an innovative time in the Consumer Banking industry. Banks, FinTech and others are rethinking products, operating models, and customer experiences to deliver next generation banking services.

Raja Bose

Managing Director, Banking and Capital Markets, Business Transformation Consulting, Ernst & Young LLP

Transformation leader based in Charlotte with over 25 years of experience developing and executing strategies for consumer banks helping them to improve profitability and to serve customers better.

Raja Bose is a leader in driving EY’s Consumer Banking go-to-market strategy with a primary focus on Customer Engagement Channels, Operational Improvement and Digital Transformation. 

He oversees transformation programs across all consumer banking offerings and provides leadership to strategic accounts embarking on transformation journeys. 

Raja’s expertise includes retail distribution strategies (branch, contact center, ATM and digital); bank operations and operating model design.

More recently, his experience helping banks transform their operations has given him a unique perspective on how banks must digitally transform their operating models front-to-back to successfully compete with FinTech and challenger banks. He recently helped several organizations launch digital banks or banking-as-a-service businesses.

Prior to joining EY, Raja held senior positions at large global professional services and technology firms and has delivered consulting services to financial services firms globally. He also held various strategy and product innovation roles at one of the largest US banking institutions.

Raja earned his BS in Information Systems and Management from New York University and his MBA from Columbia Business School.  

How Raja is building a better working world

Digital technology has the potential to free people from mundane tasks which today account for much of our lives. 

If we can digitize and automate these basic tasks, we can enable employees to focus on more complex activities which are not only more valuable but also more fulfilling. 

Customers can be free to focus on truly managing their financial lives rather than focusing on routine transactions. 

By helping banks solve these problems we can help the banks be more profitable, employees more fulfilled and customers happier. That is how I am building a better working world.

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