Nadeem Sarwar

Nadeem Sarwar, Founder & CEO of Phlo, leads the on-demand digital pharmacy. Managing Director at Universal Pharmacy. Former Director at Glasgow Chamber of Commerce.
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Nadeem Sarwar is the Founder and CEO of Phlo, a digital pharmacy delivering NHS and private prescriptions using real-time, same-day delivery. Established in October 2019, Phlo offers cutting-edge technology to provide patients with on-demand delivery of their prescriptions and API-powered services through Phlo Connect. Sarwar also serves as the Managing Director of Universal Pharmacy since October 2015, the largest independent provider of pharmacy services for care homes in Norfolk, UK, servicing over 8,000 patients monthly.

Prior to these roles, Sarwar held leadership positions including Director at Glasgow Chamber of Commerce (2015-2016) and Chairman of JCI Glasgow (2012-2016), supporting young professionals and entrepreneurs. He completed the Saltire Fellowship at Babson College (2014-2015), gaining entrepreneurial leadership skills.

Sarwar’s earlier career includes roles at HSBC, where he was International Commercial Director (2012-2014) and Senior Commercial Manager (2011-2012). At RBS, he managed international trade finance solutions and commercial banking portfolios (2008-2010), and served as Portfolio Manager (2008). His extensive experience in banking and finance has equipped him with expertise in international trade, financial solutions, and business development, contributing to his successful ventures in digital and distance selling pharmacy services.

• Phlo, Founder & CEO : Oct 2019 - Present
• Universal Pharmacy, Managing Director : Oct 2015 - Present
• Glasgow Chamber of Commerce, Director : Jan 2015 - Jan 2016
• JCI Glasgow, Chairman : Dec 2012 - Jan 2016
• The Saltire Foundation, Saltire Fellow 2014/15 : Aug 2014 - Apr 2015
• HSBC, International Commercial Director : Mar 2012 - Feb 2014
• HSBC, Senior Commercial Manager : Jan 2011 - Mar 2012
• Royal Bank of Scotland, Senior Relationship Manager : Oct 2008 - Dec 2010
• Royal Bank of Scotland, Portfolio Manager : Jan 2008 - Oct 2008
• Royal Bank of Scotland, Manager, UKCB Capital Management : Sep 2007 - Jan 2008

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