Mr. Rajesh Raheja is currently serving as Joint Director in Banking Policy & Regulations Department of State Bank of Pakistan. He is a core member of SBP’s teams on Financial Inclusion Strategy implementation, Branchless Banking Policy, SBP Vision 2020 implementation, access to finance, Enterprise IT Governance etc. He is responsible for designing the Branchless Banking regulatory framework and is directly involved in all the allied policy and operational areas related to branchless banking. He contributed as an active team player by playing a significant role in issuance of Branchless Banking Regulations in 2008 and has been instrumental in updated version of these Regulations in 2011 and 2016. Mr. Rajesh has thorough know how of functioning of all the branchless banking deployments in Pakistan. Mr. Rajesh has fourteen years experience of working with different organizations out of which he has been associated with the central bank since last eleven years. He is a policy making expert in the areas of Financial Inclusion, Branchless Banking, Alternate Delivery Channels, Information and Communication Technologies, Payment Systems, Microfinance, Guidelines on Outsourcing, Agent Acquisition and Management Framework, Interoperability of Mobile Financial Services by banks and microfinance banks, Product Policy Development, Digitization of Government to Person (G2P) payments and Asaan Accounts. Mr. Rajesh has been conducting workshops, training sessions for both public and private sector institutions. He is also an expert in customized training programes desgined for the specific needs of institutions or audience in specialized areas.