Muhammad Fahad Bilal Appointed as Head – Digital Lending at UBL

Muhammad Fahad Bilal has taken on the role of Head of Digital Lending at UBL – United Bank Limited

Bringing with him over 19 years of extensive experience in retail and SME banking. Known for driving digital transformation, credit risk management, and innovative lending solutions, he has played a pivotal role in shaping secured and unsecured credit products across leading financial institutions. Prior to UBL – United Bank Limited, he served as Country Product Owner at Mashreq, where he led SME digital banking strategies, value propositions, and ecosystem partnerships. His career also includes senior leadership roles at Standard Chartered and HBL, with a strong focus on digital lending, fintech collaboration, and portfolio governance. An Institute of Business Administration graduate, Muhammad Fahad Bilal continues to contribute to the evolution of digital banking and financial inclusion in Pakistan.