Group Management Committee

As the Group Head of Consumer Bank at DBS Bank, Sanjoy oversees the bank’s consumer business across the region, driving strategy, market development, and business performance across various markets and leading the expansion of the regional footprint. His responsibilities include driving the Consumer Bank’s digital transformation, developing new ecosystem partnerships, and leveraging DBS’s banking and technology capabilities to scale the consumer business.

Sanjoy has over 30 years of international consumer banking experience. He joined DBS in 2018. Prior to that, he led ANZ Bank’s Consumer & Private Bank in Asia Pacific region for 5 years. Before that, he spent 22 years at Citibank, where his last position was Consumer Bank Head for the Middle East and North Africa.

Sanjoy currently serves on several boards within DBS. He is a Board Director at DBS Bank Taiwan, DBS Vickers Holding, and DBS Vickers Thailand. He also serves on the board of the DBS Foundation, overseeing sustainability efforts and championing social enterprises.

Sanjoy is actively involved in various external boards and committees. He currently serves as Board Director and Treasurer at the Singapore Institute of Management. He is a member of the Strategic Advisory Council of the Singapore FinTech Association, contributing to the strategic growth and global expansion of the FinTech ecosystem.

Sanjoy is passionate about financial innovation, digital inclusion, sustainability, and corporate volunteerism. Previously, he held honorary positions at the National Volunteer & Philanthropy Centre (NVPC) and the Singapore Institute of Directors.

Sanjoy holds a B.Tech degree in Electronics Engineering from the Indian Institute of Technology (IIT) and a Post Graduate Diploma in Business Management from the Indian Institute of Management (IIM) where he was the Marketing Gold Medallist. He has also completed executive programs from Harvard Business School and MIT. He is a regular keynote speaker at international conferences and business schools. He also teaches in the Asia Financial Leadership Program, of which he is an alumnus. In 2019 Sanjoy was conferred the IBF Fellow for Consumer Banking by the Institute of Banking & Finance.