The affairs of the Bank are managed by highly qualified, professional, experienced and seasoned bankers. The Management Board of the Bank and the Audit Committee are providing quality leadership for effective administration of the bank.


N S Narayan Rao

Chief Executive Officer

Mr. N S Narayan Rao is a professional and qualified banker from India with more than 37 years of banking experience.
His areas of expertise include Credit Appraisal, Risk Management, Audit & Inspection, Vigilance, Trade and Branch Banking. He has in-depth understanding of business processes and worked as General Manager with State Bank of India.  Mr. Narayan Rao is a Graduate in Economics-Honors, and holds a Master’s degree in Economics with Statistics as special paper and he is a Certified Associate of Indian Institute of Bankers, India.

Vivek Kumar

Chief Credit Officer

Mr. Vivek Kumar joins us as Chief Credit Officer after DAB approval. He has more than 20 years of Banking & Financial institutions experience of which 15 years have been in Credit function. He has worked with reputed organizations like Tata Finance, Citigroup, ABN Amro bank & Siemens Financial Services in India before moving to Africa as Chief Credit & Operations Officer in First Capital Bank, Zambia. He also worked as Chief Risk Officer with Focus Financial Services in Zambia.
Mr. Kumar is a merit holder in Post Graduate Diploma in Business Management (MBA) from Centre for Management Development. He is a Bachelor of Commerce (Honours) from Delhi University. He has also undergone number of on-line and classroom courses including “Negotiating Skills” from prestigious Indian Institute of Management (Calcutta) and “Managing for Growth” an in-house course of ABN Amro for potential leaders.

Nipun Bhatia

Chief Financial Officer

Mr. Nipun Bhatia is the Chief Financial Officer of AUB. He is a Fellow Member of the Institute of Chartered Accountants of India (FCA) and also has a full time PDBM (MBA) from IIM, Ahmedabad. He brings a wealth of 30 plus years of Finance & banking experience in India and overseas to AUB with his tenure with international banks such as Standard Chartered Bank, ABN Amro Bank NV and Bank of Bhutan where he led the Finance function. His Finance experience is complemented by his experience in Wholesale Banking, Treasury and Retail Banking.

Essa Bawer a17

Muhammad Essa Bawer

Chief Information Officer

Mr.Muhammad Essa Bawer is among the first Information Technology professionals in commercial banking sector with 14 Years of experience in the Field of Information Technology Management and among the first Oracle Core Banking Certified Professional and ITIL Expert in the field.
Among the major achievements include the implementation of the Core Banking Solutions, Banking IT Infrastructure Implementation and Training many of the IT professionals in the industry. Mr.Bawer is well known among banks IT community.


PVSTR Seshagiri Rao

Chief Risk Officer

Mr PVSTR Seshagiri Rao is a professional and seasoned Banker with exposure in various aspects of Banking for about more than 38 years.
Mr Seshagiri Rao is a Graduate in Commerce and Certified Associate of Indian Institute of Bankers.
During his long stint in Banking he got good experience both in operations and administration and held several senior positions as Zonal Manager, Circle General Manager and Chairman of a Regional Rural Bank. He has worked as a General Manager in a Public Sector Bank and looked after the verticals of Risk Management, Corporate Planning, MSME, Retail Credit and Fraud Risk Management.


Mr. Faisal Raza Awan

Chief Compliance Officer

Against a background of increasingly complex new products, advanced technologies, focused regulations, and international standards, Afghan United Bank takes compliance very seriously, having established a fully-fledged compliance function headed by a Chief Compliance Officer Mr. Faisal Raza Awan, responsible for all compliance-related matters across the Bank’s entire operations.

Mr. Faisal Raza AwanACAMS Certified has Done MBA (Finance) from Newport Institute of Communications & Technology (Pak), Bachelors in Computer Science (BCS) from Shah Abdul Latif University (Pak) and a having a prestigious Banking Qualification, Junior Associate Institute of Bankers Pakistan (JAIBP) from Institute of Bankers Pakistan (IBP).

He has more than 16 years of Banking experience working in different Local and International Banks in Pakistan & Afghanistan which includes SAMBA Bank Ltd, NIB Bank Ltd, bank al Falah Ltd, National Bank of Pakistan, HBL Afghanistan, Ghazanfar Bank, Afghanistan and currently working as Chief Compliance Officer at Afghan United Bank, Afghanistan.

Mr. Faisal Raza Awan joined ACAMS community in September 2019 and achieved his certification as “Certified Anti-Money Laundering Specialist” (CAMS) (

Mr. Deepak Gupta

Chief Operating Officer

Mr. Deepak Gupta is a seasoned and highly empowered professional with 18+ years of experience in the domain of Retail & Wholesale Banking Operations. He is Post Graduate in Public Administration & HRM from the University of Rajasthan, Jaipur. He also possesses a Diploma in Computer Applications & a certified trainer in BFSI from the Indian Society for Training & Development (ISTD).

He has worked with IndusInd Bank Limited as Regional Operations Head & Nodal Officer. He has long working stint with HDFC Bank as Cluster Head & Regional Head-QIG across regional geography. . He has vast experience in Process Management & Operations, Clearing House management, regulatory compliance, liability operations, commercial loan operations, loan processing & servicing, quality assurance, People Management, Change Management, Customer servicing, General Administration, Business Development, e-Age Banking, Corporate Communication, KYC & AML & Fraud detection.