Credit and Trade Finance

The department is headed by a Chief Credit Officer and Deputy Chief Credit Officer and processing all applications of Credit needs

Chief Credit Officer: Mr. Kumar Ghosh

Mr. Kumar Ghosh is CA, CS, ICWA, CAIIB (Chartered Accountant, Company Secretary,  Cost & Works Accountant, Associate of Indian Institute of Bankers &holding Diploma in Personnel Management all from India) with over 31 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 and also in International Banks.

He was Associated with a leading Multi-National Bank in Africa as Chief Executive Officer handling Corporate Accounts, Credit, Treasury mgt. Risk Management and all other functions of the Bank, involved in finalization of accounts, accounts monitoring, implementation of GL controls, conducted due inspection of Branches and implementing Audit controls for smooth functioning of the Bank and also implementing Operational controls. Later he joined First Merchant Bank, Malawi as Head of Credit.

Previous assignment was Chief Manager, United Bank of India, in India.

Mr. Ghosh joined Azizi Bank on October 2014 as CFO and looking after all finance functions of the Bank, including finalization of Balance sheet, External Audit and liaison with regulatory authorities. He is also in charge of organizing all Board meetings, drafting minutes and controlling the entire gamut of secretarial functions. He is also the Secretary to the Board of Supervisors. He is also in charge of updating all policies and the entire compliance function and liaising with DAB and other monitoring authorities in all correspondence.

Since July 2016 he has been in charge of the Credit portfolio of the Bank looking into all areas of credit appraisal, assessment, and administration and handling the largest lending portfolio, Azizi Bank being the largest lender in the country. 

For any enquiry for bank guarantees, business loans, term loans, letter of credits, please contact the following personnel.

Mr. Kumar Ghosh – Chief Credit Officer

+93 797 888 175


Mr. Mohammad Dawood Vijdan – Deputy Credit Officer

+93 798 888 802


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