Rajal is responsible for the Consumer business in the 12 Barclays Africa countries. This includes the design and implementation of the Consumer Bank strategy, balance sheet and P&L growth, Product development and Sales and Distribution. He has over 24 years of international experience, spanning multiple geographies covering Asia, the Middle East, Russia and Africa. Rajal has a proven track record of growing and turning around businesses and managing large teams. He is also a specialist in the Consumer and Retail Banking Risk function, having managed senior positions in Credit Cycle Management. Rajal has been with Barclays since June 2007. Before joining Barclays, Rajal worked with Citigroup for 17+ years in various roles covering business management and credit risk, and he was a Senior Credit Risk Officer for Citigroup. Rajal has a BA Honours degree in Economics from Delhi University and a Master’s degree in Management studies from the SP Jain Institute, Mumbai. He is married to Roopa and they have a daughter Nainika.