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.