# Ashraf Anam Ashraf Anam is a remote worker on Himalayas, Founder & CEO at Versatile Finance & Management Associates, based in Bangladesh. Source: https://himalayas.app/@ashrafanam ```text Credit risk consultant at Versatile Finance & Management Associates, advising on commercial credit review and distressed asset resolution. ``` | Detail | Value | | --- | --- | | Availability | Open to opportunities | | Location | Bangladesh | | Authorized to work in | Bangladesh | | Salary expectations | 60k+ USD | | Job categories | Credit Risk Consultant, Credit Risk Manager, Chief Risk Officer, Chief Credit Officer | | Skills | Commercial Credit Analysis, Corporate Credit Analysis, SME Credit Assessment, Credit Underwriting, Risk Rating, Loan Portfolio Quality Assessment, Credit Risk Management, Credit Policy Development, Industry Risk Assessment, Concentration Risk Analysis, Early Warning Systems, Non Performing Loan Management, Distressed Assets Management, Loan Restructuring, Recovery Strategies | | LinkedIn | https://linkedin.com/in/mohammad-abdul-matin-5a5928210 | ## What I'm looking for ```text I’m seeking remote consulting engagements with US financial institutions, banking advisory firms, and specialist credit review organizations. I’m available for project-based, part-time, and independent work, subject to client requirements and applicable cross-border contracting arrangements. ``` ## About ```text 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 ### Founder & CEO (current) Versatile Finance & Management Associates ```text Provides strategic leadership in financial advisory services, including corporate finance, credit risk management, distressed asset advisory, loan restructuring, and professional banking training. ``` Skills: Financial-Advisory, Corporate-Finance, Credit-Risk-Management, Distressed-Asset-Management, Loan-Restructuring, Banking-Training ### Chairman (current) Versatile Capital Management Limited ```text Provides strategic leadership in financial advisory services, including corporate finance, credit risk management, distressed asset advisory, loan restructuring, and professional banking training. ``` Skills: Financial-Advisory, Corporate-Finance, Credit-Risk-Management, Distressed-Asset-Management, Loan-Restructuring, Banking-Training ### Deputy Managing Director & Chief Credit Officer National Bank PLC. Mar 2024 - Feb 2025 ```text Held executive responsibility for credit-related functions, including credit risk oversight, credit governance, and portfolio risk management. ``` Skills: Credit-Risk-Oversight, Credit-Governance, Portfolio-Risk-Management ### Deputy Managing Director & Chief Risk Officer SBAC Bank PLC. Dec 2022 - Feb 2024 ```text Provided senior leadership in enterprise risk management, credit risk governance, and institutional risk oversight. ``` Skills: Enterprise-Risk-Management, Credit-Risk-Management, Institutional-Risk-Oversight ### Senior Executive Vice President & Head of Credit Risk Management Eastern Bank Limited. Feb 2022 - Dec 2022 ```text Led credit risk management responsibilities, including independent credit evaluation and credit governance. ``` Skills: Credit-Risk-Management, Independent-Appraisal, Credit-Governance ### Senior Banking and Corporate Credit Leadership Roles Prime Bank and Southeast Bank. Dec 1996 - Aug 2016 ```text Held leadership roles in corporate banking, credit risk, export finance, branch management, and related banking functions. ``` Skills: Corporate-Banking, Credit-Risk, Trade-Finance, Branch-Management ## Education ### University of Dhaka MBA, Management Information Systems ```text MBA from the Department of MIS, University of Dhaka, completed in 2004. ``` ### InWEnt - Capacity Building International Workshop, Trade Financing ```text 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 ```text Attended a three-day training program on Trade Services held in Bangkok. ``` ### Frankfurt School of Finance & Management Study Tour, Risk Management ```text 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 ```text Attended a three-day workshop on Basel-III: Regulatory Framework for Resilient Banking System conducted by BIBM. ``` ### University of Dhaka M.Com, Accounting ```text M.Com from the Department of Accounting, University of Dhaka, completed in 1995. ``` ### University of Dhaka B.Com, Accounting ```text B.Com from the Department of Accounting, University of Dhaka, completed in 1994. ``` ### UNCTAD Workshop, Sustainability Disclosure ```text 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 ```text 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 ```text Attended a one-day workshop on International Trade Fraud: Detection and Prevention conducted by ICC-Bangladesh. ``` ### Citi Bank NA Workshop, Trade and Risk Management ```text 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 ```text Completed a nine-month course on Certified Expert in Risk Management, jointly conducted by Frankfurt School of Finance & Management and BIBM. ``` ## Tech stack - ChatGPT - Google Gemini To contact Ashraf, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire). ## People also viewed - [Ektedar Rahman](https://himalayas.app/@ektedarrahman): Financial Management Specialist, Mott MacDonald - [Aim Zone](https://himalayas.app/@aimzone): Relationship Manager, The City Bank Limited - [Khan Kamranur Rahman Shovon](https://himalayas.app/@khankamranurrahmansh): Adjunct Faculty, Northern University Bangladesh - [Sheikh Mozaffar Hossain](https://himalayas.app/@sheikhmozaffarhossai): Treasurer & Faculty Member, Canadian University of Bangladesh - [Fahimul Huq](https://himalayas.app/@fahimulhuq): Strategic Risk Manager, bKash Limited - [Adib Rahman Habib](https://himalayas.app/@adibrahmanhabib): Credit Controller, Jotun Bangladesh Limited - [Zahoor Hossain Mahmud](https://himalayas.app/@zahoorhossainmahmud): Head of Compliance & IT, Asiatic Mindshare Limited - [Md Ashraful Alam](https://himalayas.app/@mdashrafulalam): Senior Vice President, Deputy CAMLCO, Head of AML & CFT Division, NRBC Bank PLC - [Rahat Khan](https://himalayas.app/@rahatkhan4): Senior Principal Officer & Relationship Manager, Eastern Bank PLC - [janjabil rahman](https://himalayas.app/@janjabilrahman): Assistant Manager, Actuarial Department, Rupali Life Insurance Co. Ltd.