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Arshad Hussain has a comprehensive work experience in the banking and telecommunications industries. Arshad began their career at Diners Club International as In Charge Collections and later worked as a Credit & Collections Executive at Mobilink GSM. Arshad then joined United Bank Limited as Head of Strategic Planning (Retail Credit) before moving on to Barclays Bank as Head of MI & Analytics. At Barclays, they established the analytics and data-warehousing capability for the bank's Retail Risk Unit in Pakistan. Arshad further advanced their career at Sido Telecom Pakistan as a Senior Credit Manager, where they established a Risk Management Unit and ensured creditworthiness of new accounts. Arshad then joined Alinma Bank as Head of Business Analysis & Project Management, actively managing a retail asset portfolio of over 4 billion USD and providing support in devising pricing strategies. Currently, Arshad is working at Riyad Bank as the Head of Retail Credit Portfolio & Analytics.

Arshad Hussain obtained a Secondary School Certificate from National High School in the years 1979 to 1991. Arshad later pursued a Master of Business Administration (MBA) in Corporate Finance & Marketing at the University of East London from 2001 to 2003.