Azizul Hoq has been at the forefront of some of BRAC Bank's most transformative SME Banking innovations. By shaping strategy, designing customer-centric products and driving digital transformation, he has helped redefine how Bangladesh's entrepreneurs access, experience and benefit from formal banking.Under his leadership, BRAC Bank launched Bangladesh's first CMSME digital loans—Shafollo e-Rin and Jibika e-Rin—along with the country's first embedded financing solution for QR merchants, expanding access to formal finance for underserved entrepreneurs. He also spearheaded the Digital Loan Origination Solution (eLAP), which now processes 98% of small business loans digitally, and the SME Digital Onboarding Platform, enabling 80% of SME accounts to be opened within minutes. His leadership has further driven innovations such as SME Infosight for portfolio monitoring, BizPay for transaction banking, and 24/7 cash management solutions for MFS agents.
Across lending, deposits, transaction banking and digital onboarding, Azizul has helped shape a more inclusive, efficient and technology-driven SME banking ecosystem. His contributions continue to strengthen BRAC Bank's leadership in SME Banking while bringing more entrepreneurs into the formal financial system.
