We go above and beyond your
expectations every time
ZenDen is a leading provider of financial consultancy and advisory solutions
Mission
“To deliver sound, comprehensive, and customized offerings coupled with strategic insights and professional expertise to empower our clients in driving growth, fostering innovation, and building sustainable success. We partner with diverse clients across industries to achieve excellence that drive measurable success and targeted objectives”.
Our expertise encompasses risk management, corporate finance, debt financing advisory, compliance and AML, upscaling of human resources, leadership style improvement, corporate restructuring, corporate governance, enabling us to craft innovative strategies that address your unique needs. With a team of seasoned professionals and with a client-centric approach we are dedicated to turning your vision into reality.
About Us
At ZenDen we believe in building long-term relationships through trust, excellence, and impactful results. In addition, our panel of experienced associates provides professional advice on tax, legal and audit issues. Let us work together to unlock your business's potentials.
Najmul Ehsan
Najmul Ehsan has approximately 40 years of experience in credit risk adjudication across various international banks in Bangladesh and abroad. He began his banking career in 1984 with Grindlays Bank in Dhaka, where his last role was as the Head of Corporate Banking for the Chittagong Area. Subsequently, he worked at Mashreq Bank (Dubai) as the Area Head of International Credits, Bank of Montreal (Toronto, Canada) as a Credit Adjudicator, and National Bank of Abu Dhabi (UAE) as the Executive Director & Head of Credit.
After a 36-year tenure with various international banks, he joined AB Bank Bangladesh as its Chief Consultant for Credit Risk Management. In this role, he was instrumental in restructuring the bank’s entire credit management process and implementing human resource right-sizing. He also served as a Director of the Islamic Banking arm of AB Bank.
Mr. Ehsan holds an MBA degree from the Institute of Business Administration, Dhaka University. Throughout his banking career, he attended numerous basic, intermediate, and advanced-level credit courses in India and the UK. He is certified by Omega Performance of the UK as an accredited Credit Assessor and has participated in various credit risk-related training programs and seminars at international locations.
Touhid Shipar Rafiquzzaman
Highly Experienced Banking Professional with 36+ Years of Expertise.
A distinguished banking career with extensive expertise spanning the entire spectrum of banking, focusing on corporate banking, relationship management, and comprehensive risk management—including corporate risk, market risk, consumer risk, private banking, and wealth management risk.
- Leadership Excellence: Held senior leadership roles across diverse banking disciplines in Bangladesh and abroad (Middle East and Singapore), managing large businesses in sectors such as large corporates, SMEs, consumer banking, private banking, and wealth management.
- Strategic Expertise: Extensive hands-on experience in due diligence, mergers, acquisitions, and post-integration of processes, policies, and systems.
- Regulatory Compliance Leadership: Served as an accountable executive to implement directives from regulatory authorities, including the DFSA (USA) and FRA (UK), successfully overseeing the scaling down of specific business segments.
- Business Launch Success: Spearheaded the launch of SME Banking for Standard Chartered Bank in the UAE and Middle East markets, establishing the necessary infrastructure, policies, and processes from the ground up.
- Certified Credit Risk Specialist: Earned certifications in credit risk management from Standard Chartered and American Express.
- Cultural Agility: Demonstrated ability to lead diverse teams in multilingual, multicultural, and multiethnic environments, fostering collaboration and driving results.
Khandhaker Tanveer S. Islam
With over 37 years of distinguished experience in international banking, Khandhaker Tanveer Shamsul Islam has established himself as a transformational leader and trusted advisor in major financial markets. Currently serving as a board member of a local bank, he has held senior positions at top institutions, including ABN AMRO Bank, Royal Bank of Scotland, American Express Bank, and Commercial Bank of Dubai. In every role, he has excelled in enhancing revenue generation, mitigating risks, and optimizing operational efficiency.
Throughout his career, Khandhaker Tanveer Shamsul Islam has demonstrated exceptional expertise in corporate client origination, restructuring distressed assets, M&A, syndicated and non-syndicated debt origination, and risk management. He has established two major units for a local bank from the ground up—developing policies, creating infrastructure, and building teams. His portfolio of leadership roles includes serving as Head of Corporate Banking, Regional & Country Risk Officer covering Credit, Retail, Market, and Operational Risk for Wholesale, Retail, Private Banking, and Treasury Operations. He has also served as Head of Financial Restructuring and Recovery, and Head of Products, with a focus on DCM & Syndication, Corporate Advisory, Trade Sales, Cash Management, Commodity Finance, Investment Advisory, and Brokerage Operations. Additionally, he has excelled as Head of Branch and Country, managing operations at the highest levels in the corporate world.
Having worked across key markets such as the UAE, Saudi Arabia, Qatar, Singapore, and the United States, Khandhaker Tanveer Shamsul Islam has developed a profound understanding of diverse cultural nuances and regional business practices. He leverages this expertise to deliver tailored strategies that align with local market dynamics. With an MBA in finance and expertise in board negotiations, strategy development, and team leadership, he combines technical acumen with exceptional interpersonal skills to drive growth, manage risks, and create sustainable success in any economic environment.
Services
Services
Credit Risk Management
We develop comprehensive risk management frameworks that include credit manuals, credit policies and procedures, designing guidelines for credit approval and collection processes, creating protocols for monitoring problem accounts and ensuring compliance with regulatory standards, establishing post-fact credit risk review processes to ensure compliance with approval terms and conditions, creating product-specific legally enforceable security documents, and defining procedures for monitoring accounts receivable.
Our team has expertise in setting up new or restructuring existing credit management processes on a turnkey basis for any bank (including digital banks).
Credit Risk Management
Training
We are capable of imparting training on the following topics:
- Credit Risk Management: Risk identification and assessment, account monitoring, credit limit structuring, and recognizing early warning signals.
- Financial Statement Analysis & Interpretation: Including cash flow analysis.
- Establishing Credit Conditions: Structuring repayment terms based on financial and cash flow analysis.
- Customer Relationship Management: Enhancing customer experience, cross-selling and up-selling, effective communication, and negotiation.
- Consumer / SME Lending
- Project Finance
- Operational Risk Management
- Anti-Money Laundering (AML) and Customer Due Diligence
Our trainings also address regulatory compliance along with local and international best practices aimed at safeguarding the organization’s financial stability, minimizing losses, and improving decision-making processes.
Training
Business Consulting
Debt Restructuring
With our extensive experience in the banking industry, we can facilitate bank financing or refinancing for your organization, including from international banks, subject to eligibility.
Preparing Feasibility Reports
Leveraging our combined experience of over 100 years, we develop high-quality feasibility reports designed to support your business decisions and assist in securing bank financing.
Human Resource Management
We have extensive experience in rationalizing headcount, reorganizing hierarchical structures, eliminating redundancies, and creating or segregating functional units to enhance efficiency, speed, and productivity in work processes.
Financial & Business Consulting
Enterprise Risk Planning / Change Management
ZenDen specializes in enhancing corporate governance through strategic business planning and the restructuring of processes, particularly in credit risk management and business banking. This includes the centralization of the credit underwriting and adjudication process.
Enterprise Risk Planning / Change Management
Contact Us
Phone
Najmul Ehsan
+880174 949 5157
Tanveer S. Islam
+880191 079 5819
Touhid Shipar
+880171 301 2048
Email & Website
Office Address
- Unit 1A, 103 Suhrawardy Avenue, Baridhara, Dhaka 1212