Nilanjan Ray manages NBAD’s extensive banking products and services offered to small- and medium-sized enterprises (SME) and commercial clients through Commercial Banking Hubs and select branches. Mr. Ray has over 15 years of banking experience, especially in the commercial banking space. He joined NBAD from Abu Dhabi Commercial Bank (ADCB) where he was the head of business banking division. Prior to ADCB, Mr. Ray worked for ICICI Bank in Bahrain and India, HDFC Bank and IDBI Bank, both in India. Mr. Ray holds a Bachelors of Science in Economics from Calcutta University and Post Graduate Diploma from IIFM.