Jan 2004 – Feb 2007
IDBI Bank
Executive, Trade Finance
Began in trade finance operations, handling inland and foreign bills, export and import documentation, and buyer’s and supplier’s credit.
Banking · Experience · Knowledge
Raghwendra Nath Pandey
Executive Vice President, Transaction Banking Group — Yes Bank
Banking professional specialising in Transaction Banking, Trade Finance, Bullion Banking and the Gems & Jewellery ecosystem.
Trust before transaction. Compliance without compromise. Business with integrity.
20+Years in Banking
4Institutions
₹500Cr+Current Account Balances
About
About Raghwendra
My work focuses on the banking needs of businesses, particularly jewellery manufacturers, exporters and the bullion trade. It combines an understanding of day-to-day operations with experience in building client relationships and developing banking services.
Across Eastern India and Gujarat, I have helped build services that connect gold sourcing, refinery relationships, manufacturing finance and exports.
Banking Career
A Career in Banking Since 2004
Feb 2007 – Mar 2009
Development Credit Bank
Officer → Assistant Manager, Trade Finance
Prepared SWIFT trade messages and managed the vetting and issuance of bank guarantees. Received the Good as Gold award for bringing in major clients.
Mar 2009 – May 2016
Axis Bank
Deputy Manager → Assistant Vice President, Treasury
Built and led forex desks in Kolkata and West Bengal, handled capital account transactions, and led treasury relationships for Kolkata Circle. Later served as Deputy Transaction Banking Head for Patna Circle.
May 2016 – Present
Yes Bank
Vice President → Executive Vice President, Transaction Banking Group
Developed Gold Metal Loan and bullion banking services across Eastern India and Gujarat, bringing in more than 100 clients within eighteen months. Promoted to Executive Vice President in May 2021.
Working Principles
How I Approach Banking
My approach rests on long-term relationships, sound compliance and responsible decisions.
Trust Before Transaction
Trust grows through listening, understanding the business and being clear about what a bank can deliver. I value relationships that last.
Compliance Without Compromise
Understanding regulatory requirements and applying them consistently is central to my work.
Business With Integrity
I believe in clear advice, respect for commitments and decisions that account for both the business and the bank.
Technology & AI
Technology in Everyday Banking
My banking work has involved FINACLE, FlexCube, SWIFT Alliance and Metagrid. I am interested in how AI and automation may change trade and transaction banking, and what those changes mean in practice.
Knowledge Platform
Practical Banking & Finance Knowledge
Here I will share practical Banking & Finance knowledge drawn from professional experience. The focus is on explaining products, processes and decisions clearly, for banking professionals, students and people running businesses.
Banking Insights
Practical notes on transaction banking and working with business clients.
2 articlesTrade Finance
Letters of credit, bank guarantees, export and import finance, and trade documentation.
2 articlesBullion Banking
Gold Metal Loans, bullion supply and the banking needs of the Gems & Jewellery sector.
1 articleTreasury & Forex
Forex transactions, forward contracts and capital account transactions.
No articles published yetRegulatory & Compliance
Understanding RBI guidelines, FEMA requirements and compliance in daily banking work.
No articles published yetLeadership
Lessons from building client relationships, mentoring colleagues and leading teams.
No articles published yetTechnology & AI
The use of banking technology, automation and AI in trade and transaction banking.
No articles published yetIndian Knowledge Systems
Personal Study and Reflection
Alongside my banking work, I have a personal interest in Adhyatma, Tattva Gyan, Shiva philosophy, the Bhagavad Gita, the Upanishads and Vedanta. I will use this space to share readings and reflections as I continue to learn and consider how these ideas relate to everyday life.
Adhyatma & Tattva Gyan
Readings and reflections on self-knowledge and the nature of reality.
No articles published yetBhagavad Gita & Upanishads
Personal learning from the Bhagavad Gita and Upanishads, including questions of action, duty and understanding.
No articles published yetVedanta & Shiva Philosophy
Exploring ideas about consciousness and existence through Vedanta and Shiva philosophy.
No articles published yetYoga & Meditation
Reflections on attention, discipline and stillness.
No articles published yetEthical Leadership
Thinking about responsibility, values and the choices involved in leading others.
No articles published yetPurpose-Driven Living
Reflections on meaning, service and everyday choices.
No articles published yetContact
Get in Touch
For enquiries about banking, trade finance, bullion or the Gems & Jewellery sector, please get in touch.