Dhiraj Kunwar joined RAKBANK in March 2016 and was appointed as Managing Director of Business Banking in January 2017. Dhiraj leads the Business Banking division’s commercial strategy, business development and tactical planning. Prior to joining the Bank, Dhiraj spent 5 years at ADCB where he was responsible for sales and coverage of SME business as senior vice president. Dhiraj has over 19 years of banking experience in a wide range of roles across India and the UAE with organizations like Mashreq, HSBC and ICICI Bank. Dhiraj has completed the EPGM from MIT Sloan School of management Boston USA. He is a certified associate from the Indian Institute of Banking & Finance and also holds a Master’s degree in Business from The Institute of Chartered Financial Analysts of India. Dhiraj currently chairs the UAE Banks federation’s SME Committee, which advises government entities and the Central Bank of the UAE on matters related to Banking.