holds a degree of Bachelor of Science in Geography at University of Chittagong, Bangladesh and completed his masteral degree at the University of Dhaka, Bangladesh.
He is a Microfinance Practitioner with more than twenty-two (22) years of experience. He started his career in ASA Bangladesh, held various positions from Area Chief, and rose to the position of Deputy Director of Program.
His area of expertise includes, among others, field operations, program and management monitoring, partnership and development program, disaster and delinquency management, conversion of microfinance program from group liability to individual liability approach and specialized in product, process and methodology designed for microfinance.
On June 2004, he was one of the Consultants of the UNDP- Micro Start Program in the Philippines, which ASA Bangladesh had been the lead International Technical Service Provider. For two years, on 2004-2006, he was assigned as Consultant for CARD-MRI, the largest Microfinance Institution in the Philippines.
Shortly after returning in Bangladesh after the completion of his consultancy, ASA International assigned him to establish and manage the Philippine operation of ASAI and on June 2007, Pagasa Philippines Lending Company, Inc. was established.
At present, he is the President/CEO of Pagasa Philippines Lending Company, Inc.