Afroz Walile is a strategy and digital transformation leader with 18+ years of experience advising banks, fintechs, and financial services firms across the Middle East and Europe. He currently serves as Vice President for Strategy, Transformation, and Innovation at First Abu Dhabi Bank, alongside his work as an independent advisor on open banking, embedded finance, payments, and product-led growth. Afroz brings deep, hands-on expertise across retail and SME banking, combining Tier-1 consulting rigor with execution-focused leadership on large-scale transformation programs.