I run Bangladesh’s import cycle for a living — and I teach exactly how it works.

Eleven years of corporate theory won't tell you what I've learned by opening the L/C myself.

I work as Assistant Manager, Commercial at T.K. Group, where my responsibilities begin the moment an approved Proforma Invoice reaches my desk — selecting a bank against available credit limits, preparing the L/C application, coordinating with Finance for fund arrangement, arranging insurance, reviewing the draft L/C, and following the shipment through to customs clearance and factory delivery.

Before joining T.K. Group in February 2022, I spent about a year and a half at Mosharaf Group running deemed export operations for knitting, dyeing, printing and washing mills — purchase order to proforma invoice, Back-to-Back L/C with banks and suppliers, UD and UP submissions, delivery to buyer-designated factories, and export proceeds realised against PRC. That gave me the commercial cycle from the export and customer side, not just import.

Before that, I spent five and a half years at Salma Group handling import L/C operations across At Sight, UPAS, Deferred, EDF and OBU with both government and private banks, alongside project loan proposals and working capital renewals — including a stretch cutting government-bank L/C turnaround from seven days to two, and negotiating EDF financing at under half the rate of standard L/C financing.

I completed my Master's in Procurement and Supply Management (MPSM) at BRAC University's Institute of Governance and Development, with a practicum built entirely from that real workflow. Commercial operations are usually explained through policy and theory — the reality is a chain of handovers between banks, insurers, shipping lines, C&F agents, customs and finance teams, each with its own documentation and deadlines. I share that process — plainly, in sequence, the way I'd explain it to someone new on my team — through this workshop, documentation templates, and my YouTube channel.

Alongside that, I'm building LC ERP V3 — a practical digital tool for tracking L/C, shipment, documentation and customs duty in one place — because the same commercial problems I explain in the workshop are the ones I'm trying to solve with better process, automation and AI.

1. Feb 2022 — Present T.K. Group of Industries Assistant Manager, Commercial · FMCG import operations Full import cycle: PI review, bank & L/C selection, insurance, SWIFT, shipment documents, customs and factory delivery.
2. Oct 2020 — Jan 2022 Mosharaf Group Executive, Commercial & Banking · Knitting, dyeing, printing & washing mills Led deemed export operations end to end — purchase order to proforma invoice, Back-to-Back L/C, UD and UP, delivery to buyer-designated mills, and export proceeds realisation against PRC.
3. Apr 2015 — Oct 2020 Salma Group Senior Executive, Commercial & Banking · 5 yrs 7 mos L/C operations across At Sight, UPAS, Deferred, EDF and OBU with government and private banks, supporting 208 tons/day production. Cut government-bank L/C turnaround from seven days to two; negotiated EDF financing at 3.5–4.0% against 6.5–16% alternatives.