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  31. Aw, this was a very good post. Taking a few minutes and actual effort to make a top notch article… but what can I say… I put things off a lot and don’t manage to get nearly anything done.

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  33. Wow that was strange. I just wrote an incredibly long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Regardless, just wanted to say superb blog!

  34. May I simply just say what a relief to discover an individual who actually knows what they are discussing over the internet. You actually understand how to bring a problem to light and make it important. A lot more people have to check this out and understand this side of the story. I was surprised that you’re not more popular given that you certainly have the gift.

  35. Currently it sounds like BlogEngine is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  36. At this time it sounds like Drupal is the top blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  37. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  39. Aw, this was an extremely nice post. Finding the time and actual effort to create a really good article… but what can I say… I hesitate a lot and don’t seem to get nearly anything done.

  40. Aw, this was an extremely nice post. Taking the time and actual effort to create a great article… but what can I say… I hesitate a lot and never manage to get anything done.

  41. Can I just say what a relief to find a person that genuinely understands what they are discussing on the net. You actually understand how to bring a problem to light and make it important. More people have to check this out and understand this side of your story. I was surprised you’re not more popular since you surely have the gift.

  42. Aw, this was an exceptionally good post. Taking the time and actual effort to make a top notch article… but what can I say… I procrastinate a lot and don’t manage to get anything done.

  43. At this time it sounds like BlogEngine is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  44. Can I just say what a relief to discover an individual who really knows what they’re discussing on the internet. You actually realize how to bring a problem to light and make it important. More and more people must read this and understand this side of the story. I was surprised that you’re not more popular since you definitely possess the gift.

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  46. May I simply say what a comfort to uncover someone who truly understands what they’re discussing on the web. You certainly understand how to bring a problem to light and make it important. More people really need to check this out and understand this side of your story. I was surprised that you’re not more popular given that you definitely possess the gift.

  47. Aw, this was a very good post. Taking the time and actual effort to create a superb article… but what can I say… I procrastinate a whole lot and never seem to get nearly anything done.

  48. Can I simply say what a comfort to find someone who really knows what they’re discussing on the internet. You definitely understand how to bring an issue to light and make it important. More and more people should read this and understand this side of the story. I was surprised you are not more popular given that you definitely possess the gift.

  49. Wow that was odd. I just wrote an extremely long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say fantastic blog!

  50. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  51. Hey there, You have done an incredible job. I’ll certainly digg it and in my opinion suggest to my friends. I am sure they will be benefited from this website.

  52. At this time it seems like BlogEngine is the preferred blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?

  53. Wow that was strange. I just wrote an incredibly long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say excellent blog!

  55. May I simply say what a comfort to uncover somebody that really knows what they’re talking about online. You certainly understand how to bring an issue to light and make it important. A lot more people really need to read this and understand this side of your story. I can’t believe you aren’t more popular since you surely have the gift.

  56. Right now it sounds like Expression Engine is the top blogging platform out there right now. (from what I’ve read) Is that what you’re using on your blog?

  58. Hey there, You have done a fantastic job. I’ll definitely digg it and in my view recommend to my friends. I am confident they will be benefited from this web site.

  59. Wow that was unusual. I just wrote an incredibly long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyway, just wanted to say wonderful blog!

  60. May I simply say what a relief to discover somebody who truly understands what they’re discussing on the net. You actually realize how to bring an issue to light and make it important. More people need to look at this and understand this side of your story. I can’t believe you are not more popular given that you most certainly possess the gift.

  63. Hey there, You have performed an incredible job. I will definitely digg it and in my view recommend to my friends. I’m sure they will be benefited from this web site.

  64. At this time it sounds like BlogEngine is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

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Razib Ahmed Profile Details:

Razib Ahmed has been working at WASO Credit Rating Company (BD) Ltd. as Chief Executive Officer (CEO) since September 2025. He was positioned as Chief Rating Officer (CRO) in the same organization from January 2024 to August 2025. Prior to joining WCRCL, he worked with Credit Rating Information and Services Ltd. (CRISL) as Vice President and Chairman of the Internal Review Committee. He joined CRISL in January 2022. He started his career in the credit rating industry in 2006 as a financial analyst at Credit Rating Agency of Bangladesh Limited (CRAB) and served for more than 15 years in different positions at this organization, including Head of Business Development Division, Unit Head of Rating Division, etc.

Mr. Ahmed has an MBA from Dhaka University in Finance and Banking. In CRISL and CRAB, he has performed several rating assignments including ratings of financial institutions (banks, NBFIs, General Insurance), large corporate, projects, structured instruments, and financial forecasting and modeling of various industries. He was also responsible for ensuring the analytical quality and due diligence aspects of four teams under the Rating Unit of CRAB. He was also actively engaged in methodology development for assessing credit worthiness and credit rating for urban local bodies (ULBs) in Bangladesh. At present, he is a member of the ‘Technical Committee’ formed by Bangladesh Bank to develop uniform rating methodologies and score models for credit rating agencies.

Mr. Ahmed received training on ‘Best Practices in Rating’ and ‘Rating of Bond Market Mutual Funds’ arranged by Asian Development Bank (ADB), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Manila, Philippines; training on ‘Indicators for Effective Macroeconomic Risk Analysis’ arranged by Malaysian Rating Corporation (MARC), and the Association for Credit Rating Agencies in Asia (ACRAA), held in Kuala Lumpur, Malaysia; and participated in various training programs and workshops arranged by CRAB, CRISL, MCCI, DCCI, BEI, etc.

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Md. Al Amin Jewel Profile Details:

Mr. Jewel has an MBA from Bangladesh Open University (BOU) with a major in Finance and Banking, and a Master's of Business Studies (MBS) with a concentration in Accounting from National University. He has been with WASO Credit Rating Company (BD) Limited since 2012. In addition, Mr. Jewel is an articleship student at the Institute of Cost and Management Accountants of Bangladesh (ICMAB) and has completed the business level. In WCRCL, he completed many rating assignments, including ratings of financial institutions (NBFIs and general insurance), large corporations, SME projects, instruments, and various industries.

 

Mr. Jewel received training on ‘Credit Risk Management’ (Credit Risk Analysis, Financial Risk, Operational Risk, and Cash Flow Analysis) conducted by Financial Excellence Limited and participated in various training programs and workshops arranged by WCRCL.

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Monira Islam Profile Details:

Mrs. Monira Islam has been working at WCRCL as Chief Rating Officer (In-Charge) since February 2026. She has act in different positions in the rating department since joining WCRCL in 2012.

Before joining WASO, she worked with Credit Rating Information and Services Ltd. (CRISL) as a research officer since 2010.

Mrs. Monira has an MBA from Daffodil International University in Finance. In WASO and CRISL, she is a dedicated and detail-oriented financial analyst with 12 years of experience. In this time, she completed many rating assignments, including ratings of general insurance, MFIs, power plants, large corporations, projects of various industries, and SME clients. As a senior financial analyst, she performs quantitative and statistical analysis, accounting, and decision-making with strong analytical skills. She also assists in training and, as needed, supervises her team members. Experienced in client relations, effective communication, report generation, process development, and documentation.

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Maharan Nasrin Profile Details:

Maharan Nasrin has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD.) Limited and as a team leader, since 2014. Maharan Nasrin has an MBA from Eastern University in Finance. In WCRCL, she completed many rating assignments, including ratings of large and medium corporations, projects, and SMEs. Besides, assessing, analyzing, and interpreting complicated business and financial information from different SMEs and corporations throughout her stint as an analyst, Ms. Nasrin gathered knowledge and learned different characteristics of numerous industries, such as textiles (RMG, RMG accessories, etc.), trading, rice mills, and others.

 

Ms. Nasrin has participated in all the in-house training and workshops. Before starting a career in the credit rating industry in Bangladesh, Maharan Nasrin worked with Jamuna Bank Limited.

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Ummay Fatema Profile Details:

Ummay Fatema has been working at WCRCL as a senior financial analyst and team leader since 2015. She has an MBA from Rajshahi University in finance and banking. In WCRCL, she completed many rating assignments, including ratings of large corporations, projects, and many other business entities. Her key responsibilities include reviewing and conducting critical examinations of credit rating applications, managing all kinds of risks and regulatory compliance, supervising and assisting team members to meet time-bound action plans, nurturing new members of the team, maintaining liaison at a regular interval across various clients, bankers, and auditors for gathering and updating business information, etc.

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Md. Rafiul Bary Profile Details:

Md. Rafiul Bary has been working at WCRCL as a senior financial analyst for WASO Credit Rating Company (BD) Limited since 2015 and is currently working as a team leader. Before starting his career in the credit rating industry in Bangladesh, Mr. Rafi also worked with Invesco Global.

 

Mr. Rafi has an MBA from the Bangladesh University of Business and Technology (BUBT) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than thousands of SME clients with diversified industries and modeling of various industries. He also worked for ensuring analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

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Md. Firoz Hossain Profile Details:

Md. Firoz Hossain has been working as a compliance officer for WASO Credit Rating Company (BD) Limited since 2020. Before joining this company, Mr. Firoz worked at BRB Hospitals Limited as the In-Charge of the Billing Section, and he also worked at WASO Credit Rating Company (BD) Limited as the Executive of the Business Development Department.

Mr. Firoz completed his graduation and post-graduation in economics from Dhaka College under the National University.

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Md. Akter Hossain has been working at WCRCL as a Financial Analyst for WASO Credit Rating Company (BD) Limited. He joined in WCRCL in 2016. and is currently working as a deputy team leader. Mr. Akter has an MBA from the Prime University (PU) in Finance and Banking. In WCRCL, he completed many rating assignments, including ratings of large corporations, projects, and more than a thousand SME clients with diversified industries and modeling of various industries. He also worked to ensure analytical quality and due diligence aspects of rating and actively engaged in industry paper writing.

 

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