Mr. Ahmad Khalid Habibi was born on August 13, 1986 in Nangarhar province of Afghanistan and completed his schooling from Ningarhar High School Jalalabad City in 2005.
He graduated as a BBA with specialization in Finance from RIHS (Rana Institute of Higher Studies). He has a master degree in Public Administration from Dunya University. He joined Azizi Bank on September 26, 2010 and with his brilliant performance and outstanding achievements in his job, he got promoted, subsequently, to many managerial positions.
He has worked with Azizi Bank in different positions i.e. Credit Manager, Internal Audit Manager and as Deputy Chief of Internal Auditor.
Mr. Ahmad Khalid Habibi was promoted from Deputy Chief Internal Auditor to Deputy Chief Executive Officer / Acting CEO in January 2023.
He has been with Aziz Bank for more than 12 years and has contributed significantly during his various assignments with the Bank in different parameters of performance and especially during his role as Deputy Chief Internal Auditor for Aziz Bank, wherein the entire Department’s work flow was re designed. He has been a dedicated, honest worker and always strove to put in his best for the organization.
Mr. Habibi has extensive experience from across a wide range of firms and has undertaken many specialized training qualifications in various management and leadership fields.
Mr. Ghosh is CA, CS, ICMA, CAIIB (Chartered Accountant, Company Secretary, Cost & Management Accountant, Associate of Indian Institute of Bankers & holding Diploma in Personnel Management and Bank Management (all from India). He is having over 35 years of rich & extensive experience in Finance & Accounting, Corporate Accounts, Trade Finance, Corporate Credit Financing, Operational Banking, Investment Banking & Retail Banking, Risk Management as well as Board Secretary with a leading PSU-Public Sector Bank in INDIA as well as in International Banks.
He was associated with a leading multi-national bank in Africa as Chief Executive Officer. Later he joined First Merchant Bank, Malawi, Africa as Head of Credit looking into the credit portfolio of five countries. Previous assignment was Chief Manager, United Bank of India in India for 25 years. He joined Azizi Bank on October 2014 as CFO and has been looking after all finance functions of the Bank, including finalization of Balance sheet, External Audit and liaison with regulatory authorities. He had been functioning as the Secretary to the Board of Supervisors till June 2018. He is also in charge of updating all policies and the entire MIS functioning, reporting and liaising with DAB and other monitoring authorities in all correspondence.
He had also been the Chief Credit Officer for the period July, 2016 to October, 2017. He is also a visiting faculty with the American University of Afghanistan and teaches Finance and Management at the MBA level.
Mr. Raza has been working with the Bank since June 2018 as the Chief Operations Officer. He is a career banker having more than 24 years of commercial banking experience across all domains like Operations, Foreign Exchange, Credit, Trade Finance and Sales & Marketing.
He specializes in Branch business expansion and service delivery. He has worked at senior positions in India and Africa with prestigious Banks with proven resulted oriented track record.
He holds an MBA in Finance and Marketing from Jamia Millia Islamia University, a prestigious Central University in New Delhi and is a Certified Associate of Indian Institute of Bankers.
Mr. Yousafzai is a Master in Business Administration (MBA - Finance) in 1999 from the Institute of Management Studies (IMS), University of Peshawar Pakistan, Mr. Yousafzai started his banking career with MCB Bank Ltd in 1999. He is a Banking & Finance professional with more than 19 years of experience both in banking and private sector.
He has worked in one of the reputed banks both in Pakistan & Afghanistan in the areas of Credit Management, Audit & Operations.
Working as Group CFO with one of the leading groups in Afghanistan, Mr. Yousafzai got a hand on experience in different sectors of the economy including oil & gas exploration and production, trading, security, services and logistics.
He has got an in-depth experience of Afghanistan market by serving the Banking & Private sector for more than 12 years.
Ms. Mallela is a certified Management Accountant from the Chartered Institute of Management Accountants, UK and holds membership from CPA Australia. She is a finance professional working in the areas of treasury investments, financial planning and liquidity management. She is also a certified Project Manager (PRINCE2, UK).
As a management consultant, she has provided advisory services to various financial institutions in multiple countries. During her career, she has performed work related assignments in Afghanistan, Bhutan, Ethiopia, India, Mozambique, Nepal and Tajikistan. Her career spans implementation of projects from international donor agencies such as KfW, UNDP, Ford Foundation, UNCDF, IFC, ILO and AKF being awarded by the organizations, she has worked with. She is working with Azizi Bank since October 2018.