Nishad is a distinguished professional banker with over 18 years of experience in financial services, spanning microfinance lending to large corporate lending across various regional and international banks. His previous banking experience includes leadership roles at Stanbic, Barclays/Absa, DTB, and the Aga Khan Agency for Microfinance. His responsibilities encompassed Corporate and Retail Credit, Investment Banking, Microfinance, Branch Operations, and Relationship Management. He is currently responsible for the overall credit functions, including loan appraisal and portfolio management. Nishad is a certified accountant and holds a bachelor's degree in Banking and Finance from the London School of Economics.