After his graduation (M.Sc.) in Economics in 1979 from Jahangirnagar University, he started his professional career as a Junior Research Analyst of a Research Project of Bangladesh Institute of Development Studies (BIDS). Later he joined as Lecturer in Bangladesh Institute of Bank Management (BIBM) in 1981 and became professor in 1997. He pursued his Ph.D. in Financial Economics under Indian Commonwealth Scholarship from Himachal Pradesh University, Shimla, India during 1987-1990. Currently he is the Director General of BIBM. He received a number of professional training from IMF Training Institute; Toronto Centre, Canada; Citibank N.A USA; College of Agriculture Banking of RBI; Standard Chartered Bank at Thailand. He has published more than 50 research articles in different national and international journals. He was General Secretary of Bangladesh Economic Association during 2010-2014. Currently, he is also a member of the Board of Directors of Micro Credit Regulatory Authority (MRA), Institute of Micro Finance (InM), Institute of Public Finance (IPF) and Janata Capital and Investment Ltd (JCIL).