Md. Ashraful A.



A Financial Services Industry professional with a broad range of experience in private sector development (PSD), development financing, MSME and entrepreneurship development, financial inclusion, digital financial services (DFS), digital money & inclusive growth. I am an experienced and seasoned trainer in SME banking, Financial Inclusion, Digital Financial Services (DFS) and Payment Systems training as manager and trainer. I have progressively been able to manage an important portfolio of policy, planning, and R&D, and Project Management in the areas of financial inclusion, financial capability development and MSME development in the SME Foundation ( Bangladesh Bank (SME and Special Programmes Department and Financial Inclusion Department- in the past and currently in UNCDF. I have represented Bangladesh Bank in the Alliance of Financial Inclusion ( as the Focal point. I have been the co-chair and chair of SME Finance Working Group (SMEFWG) of AFI for one term each. My preferred work areas are in the broad areas of financial inclusion, inclusive growth, financial literacy, entrepreneurship development, SME banking and private sector development in the capacity of manager or consultant. Personal Attributes: • An optimistic and enterprising personality; • Result driven; • Always extending my work and knowledge horizon; • Out of the box thinker; • Assertive, Aggressive, innovative, independent and excellent team builder. • Capable of working under a dynamic environment (never give up spirit); • Have coordination skills, teamwork spirit, and full sense of responsibility; • Capable of achieving immediate and long-term goals and meet operational deadlines; and • Adaptive to new and changing business, social, and cultural environments.


  • development
  • financial services
  • vulnerable groups
  • vocational training / workforce development
  • trade customs
  • bangladesh
  • Sectors
  • Funders
  • Countries
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