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Sanjoy Sen

Managing Director, Retail & Wealth - Asia at ANZ Banking Group Ltd


Sanjoy Sen is a senior international banker with 25+ years of experience in Consumer and Commercial Banking. He is currently Managing Director, Retail Banking Asia Pacific, for ANZ where he joined in 2012. Based in Singapore, he leads ANZ’s Retail, Wealth & Private Banking Business for the Region.  Sanjoy has deep banking experience in Global Banks such as ANZ and Citigroup, and a successful track record of driving transformational business, growth strategies and M&A in diverse markets. He serves on the boards of several ANZ subsidiaries/ joint ventures in the Region.

Prior to joining ANZ, Sanjoy was Citigroup’s Managing Director and Consumer Bank Head for Middle East & North Africa. Prior to that, he was the Chief Operating Office and Retail Banking Head for Citibank in China. Sanjoy started his career in Citigroup in 1990 and held various senior leadership positions spanning General Management, Sales, Marketing, Credit and Risk.

Sanjoy is widely acknowledged for his industry thought leader on future of consumer banking, digital disruption and fintech. He is an engineering graduate from Indian Institute of Technology (IIT) and has a MBA from Indian Institute of Management (IIM) where he was the Marketing Gold Medalist. He has done executive management program from Harvard University.

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