Ajay is a Chartered Accountant with over 23 years of collective experience in Risk Management, Business Process Improvement, Capital Raising & Debt Restructuring. He began his career as a Process Manager with JP Morgan Chase (JPMC) based in Singapore, and later in Hong Kong. He then moved to ABN AMRO as lead Financial Analyst covering projects in Amsterdam, United Kingdom and India. Ajay has significant risk consulting experience having worked with EY India and KPMG Bahrain where he has advised large multinational banks in India and regional banks in Bahrain on Risk, Basel and ICAAP frameworks. Ajay has spent more than 18 years in the Middle East. He was the Group Head of Risk Management at GFH Bahrain for 10 years and was a core member of the Executive Management Committee, reporting independently to the Board. While at GFH he was instrumental in developing and implementing the risk framework of the Bank. Ajay was also closely involved in capital raising, debt restructuring and also led the rating initiatives of the Bank with S&P and Fitch. Ajay was a part of the core team responsible for obtaining banking licenses in Qatar and UAE and also had an oversight on the Compliance function. Ajay was the Chief Risk Officer (CRO) of QFB, an investment bank licensed by the QFCRA in Doha. He was instrumental in leading a strategic turnaround of the Bank working closely with the new Chairman and CEO.