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Mr. A S M Maruf Uddin Kamal is presently serving as Head of Credit Administration Division (CAD), Head Office in the rank of AVP. Prior to joining NRBCBank, he served as AVP & Head of CAD of Midland Bank Limited. He started his career from Mercantile Bank Limited (MBL) as a probationary officer in 2005. During his tenure at MBL he served different divisions (CRMD, CAD & MRCD) at Head Office and Branch. He has completed B.Com (Hons), M.Com. (Marketing) from the University of Dhaka. He also has completed Masters in Bank Management (MBM) from BIBM, Dhaka. He has participated various national training courses, seminar and workshop on Credit Operation.