Meet our team
Our Board or Directors and Senior Management Team.
Mr Ashraf Wathra
Ashraf Wathra was appointed as Chairman of the National Bank of Pakistan Board of Directors in January 2023.
He served as Governor, State Bank of Pakistan (SBP) from April 2014 until 2017 and on the Board of Governors of the International Monetary Fund (IMF), Asian Clearing Union (ACU) and ECO Trade and Development Bank.
He was also a council member of The Islamic Financial Stability Board and from July 2015 he became co-chair of the Financial Stability Board - Regional Consultative Group for Asia (FSB-RCG Asia), Basel, based in Switzerland.
Mr Wathra held important positions within Pakistan including the member of Monetary and Fiscal Policies Coordination Board, National Financial Inclusion Strategy (NFIS) Council, National Executive Committee on Anti-Money Laundering (AML), Chair of the Board of Institute of Bankers in Pakistan (IBP), NFIS Steering Committee, and Agricultural Credit Advisory Committee (ACAC).
Prior to joining SBP, he was associated with various international and national banks and worked in various regulatory regimes in leadership positions; including Singapore, Hong Kong, Australia, Bangladesh, Sri Lanka etc. He also served as a member of Board of Directors of Habib Finance International Hong Kong, Habib Finance Australia and as First Vice Chairman of Himalayan Bank Nepal for several years.
He started his career with Grindlays Bank Plc in 1978 after completing his Masters in Business Administration.
Mr Wathra is currently Chairman of the Board of UBL UK.
Mr Brian Firth
After graduating from Birmingham University, Brian Firth began his career in Finance in the late 1980’s with professional services firm Touche Ross & Co. in Cambridge. In 1992 he took up a Financial Accountant position with Pearl Assurance plc in Peterborough, one of the largest providers of life and general insurance and pension services in the UK at the time, until 1999 by which point he was Operations Financial Controller.
Mr Firth joined UBL UK in London directly thereafter, where he has remained. During his time with the Bank, he was appointed Project & Planning Manager in 2003, Financial Controller in 2005, CFO and Company Secretary in 2008, COO in 2017, Interim CEO in January 2018 and CEO and Director of the UBL UK in July 2018.
Mr Masarrat Husain
Masarrat Husain is a risk and business professional. His banking career spans 40+ years in seven countries and across three continents. His initial 28 years were spent with Citibank, the next five years with Citibank’s affiliate, Samba, followed by nine years with Abu Dhabi Islamic Bank.
Mr Husain's experience covers analysing and approving risk for financing in various marketplaces and for products, as well as for clients in the Private, Commercial, Wholesale, Retail, Islamic Banking and Investment Banking business sectors including remedial portfolios.
He holds an MBA from Tulane University, New Orleans and a Bachelor of Science degree with a Major in Chemical Engineering from Texas A&M University, College Station, Texas.
Mr Husain currently serves as an Independent Non-Executive Director on the Board of UBL UK.
Mr Naser Khan
Naser Khan became Chief Operating Officer of Bestway Wholesale Limited in 2017. Prior to that, he began his career with Bestway Cash & Carry Limited in January 2002, becoming Financial Controller in 2006, followed by Financial Director of Bestway Cash & Carry Limited in 2012.
He started his career with MCT Partnership where he trained and qualified as a Chartered Accountant, and moved to Baker Tilly LLP thereafter.
Mr Khan’s areas of expertise include capital management, strategy development, mergers and acquisitions, IT and infrastructure, talent development and risk management.
He graduated from the University of Guildhall, London with a BSc (Hons) in Accounting and Finance, and is a Fellow of the Institute of Chartered Accountants in England and Wales.
Mr Khan is currently a Non-Executive Director on the Board of UBL UK.
Mr Zia Ijaz
Zia Ijaz has over 30 years of diversified banking experience. He is Deputy CEO of UBL Limited and Head of Branch Banking and International Business Groups, at UBL. The Branch Banking Group comprises of Branch Distribution, Consumer, SME, Rural Banking and Wealth & Marketing functions. International Group includes UAE, Qatar & Bahrain Branch Operations, Home Remittances and International Governance.
Prior to joining UBL, Mr Ijaz served Allied Bank (ABL) for over 12 years in various leading roles (CFO, Group Chief, Commercial & Retail Banking & Group Chief, Operations). He has also served as Financial Controller at Riyadh Bank in Saudi Arabia, and as CFO at Askari Bank.
Prior to his banking career, Mr Ijaz was associated with Ford Rhodes Sidat Hyder & Co. (a member of Ernst & Young).
He is a Chartered Accountant, a Fellow member of the Institute of Chartered Accountants of Pakistan and a CPA from AICPA, USA.
Mr Ijaz is currently a Non-Executive Director on the Board of UBL UK.
Mr Abid Mumtaz
Abid Mumtaz is a seasoned leader in the Financial Services sector, with over 12 years of multinational enterprise experience. His career journey spans key roles in leading organisations across diverse markets. Beginning at Wise Platform, he played a pivotal role in shaping the company into a leading global payments infrastructure provider. Prior to this, Mr. Mumtaz contributed significantly to the growth and success of Issufy, where he led strategic initiatives and established impactful partnerships. With a track record of driving business growth and innovation, Mr Mumtaz brings specific expertise to his role at UBL UK, where he is committed to advancing the company's mission of delivering exceptional financial services solutions.
Mr Mumtaz holds a Bachelor of Science degree in Economics and Finance from the University of Bristol and currently serves as an Independent Non-Executive Director on the Board of UBL UK.
Mr Tom McGinness
Tom McGinness is an accomplished leader with over 30 years of experience in the financial and professional services sectors. Most recently, Tom was Head of JTC Private Office, where he focused on family governance and sustainability services after joining the company in October 2023. Prior to JTC, he spent over three decades at KPMG, where he was a partner and Global Head of Family Business, supporting large international family businesses. Earlier in his career, Tom served as an Inspector of Taxes at HMRC in the UK.
Tom holds an MA (Hons) from Glasgow University and is a Chartered Tax Adviser. He also holds STEP Basic & Advanced certificates in Family Governance. Drawing on his extensive experience and expertise, Tom now contributes to the strategic direction and governance of the company, serving as an Independent Non-Executive Director on the Board of UBL UK.
Mr Daniel Howlett
Daniel Howlett is a highly accomplished leader with over 30 years of senior corporate and international banking experience, spanning the UK, Middle East, North Africa, and Turkey. In his role at HSBC, Mr. Howlett held strategic responsibility for the bank's commercial banking activities across the MENA region. Prior to this, he led HSBC’s UK corporate banking division, overseeing all event-driven and sponsor-based activities within the UK ring-fenced bank. During this time, he established several key sectors crucial to the bank’s UK domestic and international growth, while also founding dedicated teams for private equity-backed businesses and debt origination and advisory.
Mr. Howlett currently serves as Vice Chair and Head of Debt Advisory at Panmure Libreum, and contributes his expertise on various boards across the public and private sectors, including the Boparan Private Office, Falcon Group, United Bank Digital, and the University of Plymouth, where he also chairs the Risk Committee. He holds a degree in Economic History from Exeter University and is an Independent Non-Executive Director on the Board of UBL UK.