Ashraf Anam
@ashrafanam
Credit risk consultant at Versatile Finance & Management Associates, advising on commercial credit review and distressed asset resolution.
BangladeshWhat I'm looking for
At Versatile Capital Management Limited (VCML) and Versatile Finance & Management Associates, I provide financial advisory services covering credit risk management, distressed asset advisory, and loan restructuring. I’m available for remote, project-based consulting engagements.
Across National Bank PLC, SBAC Bank PLC, Eastern Bank Limited, and Dhaka Bank PLC, I held senior credit and risk leadership roles covering credit governance, independent credit evaluation, and portfolio risk management. I also wrote Credit Operations and Risk Management in Commercial Banks, published in four editions between 2011 and 2022.
Experience
Work history, roles, and key accomplishments
Founder & CEO
Versatile Finance & Management Associates
Provides strategic leadership in financial advisory services, including corporate finance, credit risk management, distressed asset advisory, loan restructuring, and professional banking training.
Chairman
Versatile Capital Management Limited
Provides strategic leadership in financial advisory services, including corporate finance, credit risk management, distressed asset advisory, loan restructuring, and professional banking training.
Deputy Managing Director & Chief Credit Officer
National Bank PLC
Mar 2024 - Feb 2025 (11 months)
Held executive responsibility for credit-related functions, including credit risk oversight, credit governance, and portfolio risk management.
Deputy Managing Director & Chief Risk Officer
SBAC Bank PLC
Dec 2022 - Feb 2024 (1 year 2 months)
Provided senior leadership in enterprise risk management, credit risk governance, and institutional risk oversight.
Senior Executive Vice President & Head of Credit Risk Management
Eastern Bank Limited
Feb 2022 - Dec 2022 (10 months)
Led credit risk management responsibilities, including independent credit evaluation and credit governance.
Senior Banking and Corporate Credit Leadership Roles
Prime Bank and Southeast Bank
Dec 1996 - Aug 2016 (19 years 8 months)
Held leadership roles in corporate banking, credit risk, export finance, branch management, and related banking functions.
Education
Degrees, certifications, and relevant coursework
University of Dhaka
MBA, Management Information Systems
MBA from the Department of MIS, University of Dhaka, completed in 2004.
InWEnt - Capacity Building International
Workshop, Trade Financing
Attended a three-day workshop on Capacity Building for Trade Financing in Bangladesh, organized by InWEnt and ADB.
American Express Bank
Training Program, Trade Services
Attended a three-day training program on Trade Services held in Bangkok.
Frankfurt School of Finance & Management
Study Tour, Risk Management
Participated in a four-day risk management study tour conducted by Frankfurt School of Finance & Management.
Bangladesh Institute of Bank Management (BIBM)
Workshop, Banking Regulation
Attended a three-day workshop on Basel-III: Regulatory Framework for Resilient Banking System conducted by BIBM.
University of Dhaka
M.Com, Accounting
M.Com from the Department of Accounting, University of Dhaka, completed in 1995.
University of Dhaka
B.Com, Accounting
B.Com from the Department of Accounting, University of Dhaka, completed in 1994.
UNCTAD
Workshop, Sustainability Disclosure
Attended a one-day online workshop on ISSB: Applying the IFRS Sustainability Disclosure Standard, jointly organized by UNCTAD, UN Global Compact, UNEP FI, and PRI.
Frankfurt School of Finance & Management
Certified Expert in Risk Management, Risk Management
Completed a nine-month course on Certified Expert in Risk Management, jointly conducted by Frankfurt School of Finance & Management and BIBM.
International Chamber of Commerce (ICC)-Bangladesh
Workshop, Trade Fraud
Attended a one-day workshop on International Trade Fraud: Detection and Prevention conducted by ICC-Bangladesh.
Citi Bank NA
Workshop, Trade and Risk Management
Attended a two-day workshop on International Trade and Risk Management in Commercial Lending conducted by Citi Bank NA.
Bangladesh Institute of Bank Management (BIBM)
Certified Expert in Risk Management, Risk Management
Completed a nine-month course on Certified Expert in Risk Management, jointly conducted by Frankfurt School of Finance & Management and BIBM.
Tech stack
Software and tools used professionally
Availability
Location
BangladeshAuthorized to work in
Salary expectations
Social media
Skills
Interested in hiring Ashraf?
You can contact Ashraf and 600K+ other talented remote workers on Himalayas.
Message AshrafGet matched with your dream remote job
Sign up now and join over 1,000,000+ remote workers who receive personalized job alerts, curated job matches, and more for free!
