Muhammad Ramzan has been elevated to the position of Group Head Retail – Southern Punjab at United Bank Limited (UBL), marking a significant leadership milestone and reflecting the bank’s confidence in his experience, performance, and strategic contribution to retail banking growth.
The elevation underscores UBL’s focus on strengthening its regional leadership structure to support business expansion and customer-focused banking across key markets. With extensive expertise in retail banking operations and regional business management, Muhammad Ramzan has played a pivotal role in driving customer-centric initiatives, improving branch performance, and aligning regional operations with the bank’s broader strategic objectives.
During his tenure at UBL, he has been closely involved in enhancing service quality, optimizing branch-level efficiency, and supporting the growth of retail products and services. His leadership has contributed to stronger engagement with customers and improved operational outcomes across the Southern Punjab region, a key market for retail banking growth.
In his new role, Muhammad Ramzan will be responsible for further expanding UBL’s retail footprint in Southern Punjab, with a focus on deepening market presence and strengthening customer relationships. His mandate also includes enhancing the overall customer experience through improved service delivery, operational excellence, and alignment with UBL’s digital and retail banking strategies.
The appointment comes at a time when banks are increasingly emphasizing regional leadership to better address local market dynamics, improve responsiveness, and drive sustainable growth. UBL’s decision reflects its commitment to empowering experienced professionals to lead regional operations and deliver value to customers and stakeholders.
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