Fernando Morillo

Group Head of Retail Banking


As Group Head of Mashreq’s Retail Banking Group (RBG), Fernando ensures that every Mashreq retail customer receives a superior banking experience. He is responsible for delivering profitable revenue growth and managing and executing the retail strategy across Mashreq’s personal banking, Mashreq Gold, private banking, SMEs, Islamic and Emirati segments, in addition to the bank’s digital propositions - Mashreq Neo and NEOBiz. Fernando brings almost 30 years of financial services experience to his new role at Mashreq. Most recently, he served as the Managing Director & Global Head of Retail Products and Segments for Standard Chartered Bank in Singapore. He began his career in McKinsey & Company where he focused on banking, insurance, retail and digital across EMEA and the US. In 2002 Fernando joined Bankinter where he held a number of senior positions in retail banking. 2011 saw him move to BBVA to lead their retail and commercial products and segments units across all of the Group’s banks. He enjoys widespread retail, digital and commercial banking experience having worked in a diverse range of specialist disciplines, notably private, affluent, emerging affluent, mass, SMEs and mid-market. In addition, he has also developed expertise in digital, CRM, analytics, marketing, and distribution. 


Fernando holds a General Management Program (G.M.P.) from Harvard Business School, an MBA from Instituto De Empresa in Madrid, and a B.S. in Aeronautical Engineering (specialization in Aircraft and Spacecraft design) from Universidad Politécnica De Madrid.

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