Maruf has over 30 years of experience with leading multinational and regional commercial banks.

His experience spans diverse functional areas in Wholesale, Consumer/Retail Banking, Treasury, Trade Services and business support areas. Maruf started his career with Standard Chartered where he left as the Head of the Consumer Bank and Acting CEO.

He moved on to American Express as Director, Country Operations, Bahrain and MENA. Following this, he moved to Ajman Bank as the Head of the Retail Bank where he launched multiple products aimed at individuals and SMEs.

As Country Manager of Tab Kazak Bank, he focused on cash and trade solutions for mid-cap entities and Treasury products. Most recently Maruf held the role of Assistant General Manager at Arab National Bank in Riyadh.

Maruf holds a Bachelor’s degree in Economics, Accounting and Finance from the University of Manchester.