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Pankaj Rai has over 11 years of experience in the retail banking industry, currently serving as the National Product and Institutional Sales Manager at India Post Payments Bank since October 2018, where responsibilities include managing the life insurance portfolio and overseeing institutional business and government relationships. Prior roles at India Post Payments Bank include Circle Sales Incharge and Circle Branch Manager. Previously, Pankaj Rai worked at ICICI Bank as a Branch Manager, where the successful launch and profitability of a new branch was achieved, and held various managerial positions that provided comprehensive insights into retail banking operations. Early career experiences include a Graduate Engineer Trainee role at GE and an Assistant Lecturer position in mathematics. Pankaj Rai holds a B.E. in Electrical and Electronics Engineering, a PGDM in Banking and Finance, and additional qualifications in banking.