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Muhammad Raza is a seasoned professional in portfolio management and credit analysis, currently serving as Manager - Portfolio Management at UK Infrastructure Bank since September 2023. Previous experience includes roles such as Assistant Manager in Credit Portfolio Management at Emirates NBD and Front Office Credit Management at Commercial Bank of Dubai. Muhammad also held managerial and relationship officer positions at Emirates Islamic and Union National Bank, respectively, and began a career in trade finance at Standard Chartered Bank. Academic qualifications include a Level 5 Degree in Commercial & Corporate Lending from LIBF, an Omega Credit Skill Certification from The Chartered Banker Institute, and an MBA in Finance from the University of AJ&K Pakistan.