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Sanjoy Sen
Managing Director for Retail Banking Asia Pacific

About Sanjoy Sen

As ANZ’s Managing Director for Retail Banking Asia Pacific, Sanjoy Sen drives the bank’s strategy to build the Retail Banking Business across 21 markets in Asia Pacific. He is an international banker who joined ANZ in 2012 after spending 22 years at Citigroup, where he held senior leadership positions across various geographies in the world – the last being Citi’s MD and Head of Consumer and Commercial Banking for Middle East and North Africa. Sanjoy has deep multi-market experience and a successful track record of driving transformational business and growth strategies in a wide range of emerging markets, with diverse economic, political, social and regulatory frameworks.

articles by Sanjoy Sen

22 Dec 2015

Three ways to successfully drive digital

Sanjoy Sen | Managing Director for Retail Banking Asia Pacific

Digital is probably the most-talked about topic in corporate boardroom, but the process of translating this into practical actions and operations is still an enigma for many companies.

21 Oct 2015

How to benefit from the new Chinese dream

Sanjoy Sen | Managing Director for Retail Banking Asia Pacific

Like Australians, the Chinese middle class have a dream and this dream is becoming the new centre of Australia's relationship with China. As their ranks swell their aspirations begin to closely resemble any other developed country albeit with a Chinese twist.

02 Oct 2014

What do affluent Asian customers want from their retail bank?

Sanjoy Sen | Managing Director for Retail Banking Asia Pacific

Asia's affluent middle class is growing rapidly. But more than that, as Asian customers become more financially savvy, they are demanding more dynamic and complex financial solutions and setting a new standard on how they want to be served by banks.