Mr. Dutta was initially appointed as Chief Operating Officer in October 2015 in Azizi Bank. He has more than 20 years of experience in Retail Branch Banking, Corporate & Institutional Banking business, Operations, Investment Advisory and International Banking Business.
Previously he held senior positions with Yes Bank and HDFC Bank, the largest private sector commercial banks in India in the capacity of Regional Heads and managing a larger gamut of business. He has also worked for ICICI Bank & American Express Bank.
Mr. Dutta is a MBA in Sales & Marketing from one of the premier institute in Kolkata, India. He held additional responsibility of Marketing with the bank and since Jan 2017, he is the Chief Marketing Officer & Head Corporate Communications with the additional responsibility of Financial Institutions.
He has been highly instrumental in framing and revising the marketing initiatives of the bank over the last 3 years and creating a niche image of the bank as a brand both nationally and internationally.
He manages relationship with international corporates and Embassies and is also responsible for the brand recognition initiatives of the bank across the globe.
He has received several recognitions for his performance both within the bank and internationally.
Mr. Khan is a certified Internal Control Auditor (CICA) from the US. He is an MBA (Banking & Finance), MA (English) & LL.B. with Diploma in Islamic Banking and Insurance from Institute of Islamic Banking and Insurance, London UK.
Mr. Khan has worked as Auditor & Team Leader for branches & management audit of different departments including international audit for more than 20 years in one of the largest Bank (Habib Bank Ltd) in Pakistan.
Mr. Khan is also a Certified Course Leader/Master Trainer in Customer Service by Up Your Service College, Singapore. As Master Trainer, he has conducted/trained more than five hundred bank staffs including front office personnel and executives viz a viz customer service. He has also worked as English Teacher at the Pakistan Air Force Inter College Risalpur, KPK Pakistan.
In his last assignment he worked as Senior Auditor at Habib Bank Ltd, Pakistan since Jan 2005. Mr. Khan carries rich experience of internal Audit since 1995 covering 20+ years in Internal Audit of commercial banks.
He is having experience in Audit of Branches and Departments in all areas of banking including Credit, IT, Finance, Trade, Operations etc. and is involved in statutory audit of the bank. He has developed Audit Plans, guidelines and manuals besides conducted various fraud & forgeries investigations.
He has been approved by The Central Bank of Afghanistan (DAB) on 20th Oct 2014 and joined Azizi Bank as Chief Internal Auditor on 30th November 2014.
Techno functional professional having more than 17 years of experience in Banking and IT industry across India, Bhutan, Africa and Afghanistan. Worked with Canara Bank, Central Bank of India, RAWBANK (DRC) and with IDBI Intech Ltd, TCG Software services and FIS in the Indian IT industry.
Specializes in Alternate banking channels including ATM, Internet/Mobile banking, Card Management, E-Commerce and Mobile Wallets. Exposure to Core Banking implementation, Retail banking operations and Financial Inclusion initiatives.
His major projects included migration of 1600+ ATMs, EMV (Chip) card issuance, Mobile Banking implementation and Afghanistan Payment Systems (APS) onboarding.
In his previous stint as Head-Delivery Channels for Azizi bank, he set up the ATM operations team, systems and procedures related to ATM and card management. He also launched Insta-cards, Green Channel, Payment Gateway, Agency Banking, AZI-PAY Mobile Wallet and many other innovative solutions.
Mr. Bhatnagar is a MBA (Finance) and Certified Associate of the Indian Institute of Bankers (CAIIB) from Indian Institute of Banking and Finance. Her is also a Certified PMP, PRINCE2 and ITIL.
He is working with Azizi Bank since April 2019 as Chief Information Officer and is also responsible for the Alternate Delivery Channels Department, Information Technology, Project Management and project execution apart from Managing the Project Management Office (PMO).
He is also entrusted to advice and guides the IT team on the best practices and IT governance.
Mr. Qudratullah Rahmat is a risk management professional with over 12 years of experience in the field of financial risk management, managerial finance, and banking supervision in Afghan banking sector. He initiated his professional life from the Central Bank of Afghanistan (DAB) as financial risk manager in 2007, and continued with commercial banking as Chief Risk Officer, member of Board of Supervisors, and similar roles in the industry.
Mr. Rahmat has Master’s degree in Economics from Ruhr University Bochum-Germany with several professional certificates in Financial Risk Management, Corporate Governance Risk Management, and Risk Modeling from India, Turkey, Malaysia, Singapore, and Germany. He serves as member of the Steering Committee-Afghanistan Local Chapter for Professional Risk Managers’ International Association (PRMIA), member of the Afghan Economic Society, and member of the Research Committee of Balkh University. He also has served as a faculty member of Economics at Balkh University, and lecturer at various private universities in the field of risk management and quantitative modeling.
As part of his academic engagement, Mr. Rahmat has designed and implemented several research projects on Afghan banking & financial industry with the financial support of DAAD and Institute for Development Research & Development Policy of Ruhr University Bochum-Germany in the years 2017 to 2019.
Mr. Rahmat joined Azizi Bank as Chief Risk Officer following his approval by the central bank (DAB) in October 2020.
Mr. Ravi is a Compliance, AML & Risk professional with 16 years of experience, focusing on Financial Crime, AML/CFT, Sanctions, International Compliance, Regulatory Compliance, Business Risk Advisory and Risk Management. Mr. Ravi in his previous assignments has worked with some of the top international banks and financial institution. He held the position of Regional Director, UAE Exchange managing AML, Compliance and Risk for UAE, Middle East and Africa. He was Vice President, Bank of Tokyo-Mitsubishi handling Compliance, Operational Planning, Risk and Audit for the Regional Executive Offices in India and Sri Lanka. Mr. Ravi as Senior Manager, Citibank was handling the Compliance, AML and Risk functions in Singapore, Hong Kong, Far East countries and India.
Mr. Ravi is an MBA (Master of Business Administration) in Finance from Delhi University, India. He is certified on CAMS - USA, CAMI and AML/KYC specialist with distinction from the prestigious IIBF (Indian Institute of Banking and Finance). He also carries certifications on Financial Crime Compliance, Risk Management, Fraud Prevention, Information Security, Data Privacy, Anti Bribery and Corruption. He is a CAMS graduate and an Associate of Indian Institute of Bankers. He is qualified on Leadership Talent and the Managerial GRID model.
Mr. Ravi joined Azizi Bank in July 2019 as the Chief Compliance Officer. He ensures the bank functions in a legal and ethical manner while meeting its business goals. He plays a major role in developing the Compliance program, framing and reviewing the bank policies and advising management on possible risks. He ensures all operations in the bank are in line with the applicable country laws, regulations, international standards and being followed and implemented.
Ms. Nematova is Certified Human Resources Management Professional with more than 11 years of public/private, business and international development experience, of providing strategic and operational focus to the human resource function in demanding business environment. She is serving as the Head of Human Resources Department for the leading bank of Afghanistan with responsibility of 22 HR team and 1700+ employees charged with the implementation of the resource planning, training and development, performance appraisal management, reward management and staff relations
She is also the member of the Human Resources Committee, Operational Risk Management Committee, Grievance & Disciplinary Committee and Corporate Social Responsibilities Committee, actively participating in the operations reviews and strategic planning of organization. Works with senior-level management to create fair and consistent HR policies and procedures.
She has completed her Master of Arts (MA) degree from Tajikistan University in Russian-English Literature and has graduate degree in Bachelor of Business Administration from Rana University Kabul, Afghanistan.
Holder of CHRMP (Certified Human Resources Management Professional) from Bangalore, India. Human Resources Management, RMC (Rokyan Management Consultancy), Kabul, Afghanistan, CHRM (Certified Human Resources Management), AIBF (Afghanistan Institute of Banking and Finance), Kabul, Afghanistan and ToT (Training of Trainers) Certification.