Sanjoy Sen

Balancer
DISC Type : S

MD - Group Head - Consumer Bank at DBS Bank

Singapore

Overview

Sanjoy Sen is the Group Head of Consumer Bank at DBS, driving strategy and digital transformation across Asia. With over 30 years in international banking, including roles at Citibank and ANZ, he is known for his visionary and strategic leadership. He has completed executive programs at Harvard Business School and MIT.

Outside of work, Sanjoy is passionate about nature, enjoying quiet time with his family in rainforests and by the sea. He holds a keen interest in youth culture and generational trends, analyzing them for business and social insights. He is also passionate about sustainability and corporate volunteerism.

He once analyzed a BLACKPINK concert as a masterclass in engaging Gen Z, deconstructing it with the acronym: 𝗕𝗼𝗹𝗱, 𝗟𝗶𝗺𝗶𝘁𝗹𝗲𝘀𝘀, 𝗔𝘂𝘁𝗵𝗲𝗻𝘁𝗶𝗰, 𝗖𝗼𝗻𝗻𝗲𝗰𝘁𝗲𝗱, and 𝗞𝗶𝗻𝗲𝘁𝗶𝗰.

Personality Overview

Process-Oriented

Slow To Decisions

Diplomatic

They are courteous and respectful but practical.  They like following the process even if it takes time to reach any conclusion. They are comfortable taking long term decisions.

Topics They Care About

Digital Transformation
Leads the digital transformation for DBS's consumer bank, focusing on creating superior customer journeys and leveraging technology to scale the business regionally.
Gen Z Engagement
Demonstrates a unique interest in understanding the youth mindset, analyzing cultural phenomena like K-Pop concerts to understand how Gen Z connects and communicates.
Indonesian Market
Highlights the massive opportunity in Indonesia, focusing on its rising affluence, digital confidence, and a large youth population to accelerate DBS's wealth business.

Media Appearances

Sanjoy has no verified media appearances

Work History

MD - Group Head - Consumer Bank at DBS Bank
2-2020
MD - CFO & Head of Strategy, Consumer Banking & Wealth Management at DBS Bank
Director, Board Member, Treasurer at Singapore Institute of Management
Member, Board of Governors & Treasurer at Singapore International Foundation
Member Board of Directors at DBS India

Education

Executive Management from Harvard Business School
Executive Management from MIT Sloan School of Management

More Information

Social Presence :

Prographics :

Exp : N/A Location : Singapore Job Level : Mid-senior Designation : MD - Group Head - Consumer Bank at DBS Bank
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Insights For Selling To Sanjoy

During A Call Or A Meeting

DO's

  • Be very observant about how they perceive the risk in the decision
  • Unless they are the decision maker, bring other stakeholders into the process early
  • Be personal and polite and slightly formal

DONT's

  • Don’t brush off their concerns, their comfort with you will go down
  • Do not sound very transactional, make extra effort to be genuinely interested
  • Don’t try to be overly social in the early interactions

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Sanjoy is

  • For them, low risk, acceptance by others and strong collaterals are most important.
  • Will you ever get a clear answer from Sanjoy

  • They never refuse directly, they push out the decisions or just go quiet.

Insights For Deal Planning

    How fast (or slow) will Sanjoy move?

  • They can be some of the slowest decision makers.
  • Can Sanjoy take some risk or not?

  • They have no risk-appetite and prefer to take safe decisions.

You And Sanjoy

Personality Compatibility


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