Leading Practitioners in Retail Finance

The selection of leading practitioners in this category is not confied to those in traditional retail banking. This is because this business is shaped by a range of forces from channels and distribution to technology and operations, treasury and non-banking areas such as telecommunications, retailing and other related areas. Retail banking is a highly creative and dynamic industry and we tend to favor those are taking this industry forward by responding to new challenges brought on by liberalization, technology and changing customer behavior.

Mr. Adeola Ogunyemi

Divisional Head Retail

Guaranty Trust Bank

Nigeria

Mr. Adisorn Sermchaiwong

Head, Consumer Bank

CIMB

Thailand

Mr. Adrian Gore

CEO

Discovery Bank

South Africa

Mr. Alan Machet

CEO, Consumer Bank

Citibank

Australia

Mr. Albert Lee

CEO, Retail Banking

CTBC

Taiwan

Mrs. Alexis George

Deputy CEO Wealth Australia

ANZ

Australia

Mr. Ali Fuat Erbil

CEO

Guaranty Bank

Turkey

Mr. Amit Sah

Head of Consumer Business

Qatar Commercial Bank

Qatar

Mr. Angus Sullivan

Head of Retail Banking

CBA

Australia

Ms. Anne Boden

CEO

Starling Bank

United Kingdom

Mr. Anthony Tan

CEO

Grab

Singapore

Mr. Anthony Thomas

CEO

Mynt

Philippines

Mr. Anup Bagchi

Executive Director

ICICI Bank

India

Mr. Anurag Mathur

Head, Retail Banking & Wealth

HSBC

Singapore

Mr. Anuwat Luengtawekul

Head, Retail and Small Business Distribution

Tanachart Bank

Thailand

Mr. Arrie Rautenbach

CEO, Retail and Business Banking South Africa

Barclays Africa Group

South Africa

Mr. Arup Mukhopadhyay

Head, Consumer Banking

Abu Dhabi Commercial Bank

United Arab Emirates

Mr. Ashraf Bibars

EVP, Retail Banking and SME Business

Union National Bank

United Arab Emirates

Mr. Benjamin Hung

Regional CEO Retail and Wealth, Greater China & North Asia

Standard Chartered

Mr. Benjamin Hung

CEO, Retail Banking and Wealth (Global)

Standard Chartered Bank

Hong Kong

Mr. Bianto Surodjo

Director, Retail Banking

Permata Bank

Indonesia

Mr. Brad Garlinghouse

CEO

Ripple

United Kingdom

Ms. Carmen YIP Ka Man

EVP, Head of Retail Banking Group

Fubon Bank

Taiwan

Ms. Carol Oyedeji

Executive Director, Consumer Banking

Ecobank Nigeria

Nigeria

Mr. Chang-goo Lee

Head, Wealth Management

Shinhan Bank

Korea

Mr. Chen Shenqiang

CEO

JD Finance

China

Mr. Cheng Li

COO & CTO International Business

Ant Financial

China

Ms. Chiew Peng Chan

Senior GM, Retail Financial Services

Public Bank

Malaysia

Mr. Chin Yong Francis Lee

Head, Group Retail

UOB

Singapore

Mr. Ching Wei Hong

Chief Operating Officer

OCBC

Singapore

Mr. Christopher Davison

BigPay CEO and Co-Founder

Air Asia

Malaysia

Mr. Ciko Thomas

Managing Executive, Retail and Business Banking

Nedbank

South Africa

Mr. Craig Sims

General Manager Retail Banking

ASB Bank

New Zealand

Mrs. Dalal AlQais

Head, Retail Banking

Bahrain Islamic Bank

Bahrain

Mr. Dato’ John Chong Eng Chuan

Group Head, Community Financial Services

Maybank

Malaysia

Mr. David Ng

Head of Retail Banking and Wealth

HSBC

Taiwan

Mr. David Lindberg

CEO Consumer Banking

Westpac

Australia

Mr. Dele Adeyinka

Chief Digital Officer

ALAT (by Wema)

Nigeria

Dr. Dennis Khoo

MD, Head, Regional Digital Banking

UOB

Singapore

Mr. Dinesh Sharma

MD & Country Business Head UAE, ME and North America

Citigroup

Mr. Dong Yuhua

GM, Personal Banking

Agricultural Bank of China

China

Mr. Dong Whan Han

Chief Digital Innovation Officer

Kookmin Bank

Korea

Mr. Dongning Zhang

Chairman and President

Bank of Beijing

China

Mr. Donsuwan Simatupang

Director, Retail Banking

Bank Mandiri

Indonesia

Mr. Dwaipayan Sadhu

Head, Retail Banking

Standard Chartered

Singapore

Mr. Ebehijie Momoh

Head, Retail Banking

Standard Chartered Bank

Nigeria

Mr. Edwin Bautista

CEO

Union Bank of the Philippines

Philippines

Mr. Ehab M. Hassoubah

GM, Head of Retail Banking Division

Bank Al Bilad

Saudi Arabia

Mr. Eric Wilson

CEO, Co-Founder

Xinja

Australia

Mr. Eric Jing

Chairman and CEO

Ant Financial

China

Mr. Fabio Fontainha

Head, Retail Banking (APAC & EMEA)

Citibank

Singapore

Mr. Fabio Fontainha

Head, Retail Banking, Asia Pacific

Citibank

Hong Kong

Mr. Faisal Hamad Al Wahaibi

Chief Retail Banking Officer

Bank Dhofar

Oman

Mr. Frederic De Melker

MD, Head of Personal Banking

RakBank

Mr. Frederic de Melker

MD, Personal Banking

RAKBANK

United Arab Emirates

Mr. George Frazis

CEO

Bank of Queensland

Australia

Mr. Gerrie Fourie

CEO

Capitec Bank

South Africa

Mr. Gordon Smith

CEO, Consumer & Community Banking

JP Morgan Chase

Ms Grace Yin

Director

WeChat Pay

China

Ms. Grace Eid

Head of Retail Banking

Bank Audi

Lebanon

Mr. Greg Hingston

Head, Regional Retail Banking and Wealth

HSBC

Hong Kong

Mr. Gu Min

Chairman

WeBank

China

Mr. Guang Zhu

CEO

Du Xiaoman Financial (originally Baidu Financial)

China

Mr. Gökhan Erün

CEO

Yapi Kredit

Turkey

Ms. Hana Al Rostamani

Group Head, Personal Banking

First Abu Dhabi Bank

United Arab Emirates

Mrs. Hannah Annobil-Acquah

Head of Retail Banking

First National Bank

Ghana

Mr. Harmander Mahal

Head, Retail Banking

Standard Chartered Bank

Vietnam

Mr. Harmander Mahal

Head Retail Banking

Standard Chartered Bank

Vietnam

Ms. Heba Ali Al-Tamimi

GM Retail Banking

Qatar National Bank

Qatar

Mr. Henry Koenaifi

Director

Bank Central Asia

Indonesia

Mr. Hiroyuki Nagai

CEO

Rakuten Bank

Japan

Mr. Huang Hao

President

MyBank

China

Mr. Huo Jianjun

VP, Head of Retail Banking

China Merchants Bank

China

Mr. Huong Lam

Head of Retail Banking

BIDV

Vietnam

Mr. Hyo-ryul An

Head, Retail Banking

Shinhan Bank

Korea

Mr. Iain Kirkpatrick

MD, Retail Banking

Metro Bank

United Kingdom

Mr. Ismail Ahmed

CEO

WorldRemit

United Kingdom

Ms. Jade Lee

Managing Director, Retail Banking

AmBank

Malaysia

Mr. Jaidev Janardana

CEO

Zopa

United Kingdom

Ms. Jane Fraser

Chief Executive, Global Consumer Banking

Citibank

Mr. Jason Thompson

CEO

OVO

Indonesia

Mr. Jayash Patel

Head, Liv

Liv (by Emirates NBD)

United Arab Emirates

Mr. Jaydeep Gupta

Regional Head, Retail Banking, Africa & Middle East

Standard Chartered Bank

United Arab Emirates

Ms. Jayne-Anne Gadhia

CEO

Virgin Money

United Kingdom

Ms. Jenny Wiriyanto

Director, Community Financial Services

Maybank

Indonesia

Ms. Jeong Rim Park

Group Executive, Wealth Management

Kookmin Bank

Korea

Mr. Jerry C.J. Sung

SEVP, CRO and Head of Digital Banking

O-Bank

Taiwan

Ms. Jessica Power

Head of Retail and Wealth

HSBC

Australia

Ms. Jocelyne Chahwan

Assistant GM & Head Retail Banking

Blom Bank

Lebanon

Mr. John Chang

Chief Retail Banking Officer

National Bank of Oman

Oman

Mr. Jonathan Witter

President, Retail and Direct Banking

CapitalOne

Mr. Jonathan Davey

GM Digital

NAB Labs and Ventures

Australia

Mr. Jones Diokno

Retail Banking Group Head

RCBC

Philippines

Mr. Joseph Albert L. Gotuaco

Retail Banking Head

BPI

Philippines

Mr. Jovencio DB. Hernandez

President

PNB Savings Bank

Philippines

Mr. Kalidas Ghose

CEO, FE Credit

VPBank

Vietnam

Mr. Kang Seong-muk

SEVP, Head, Business and Retail Support

KEB Hana

Ms. Kari Tukur

Head Consumer Banking

Diamond Bank

Nigeria

Mr. Kean Yik Ng

Director, Retail Banking

Panin Bank

Indonesia

Mr. Khalil Salim Al Hedaifi

Chief Retail Banking Officer

Bank Sohar

Oman

Mr. Kris Werner

Head of Retail Banking and Wealth

HSBC

Philippines

Mr. Kristo Käärmann

CEO

Transferwise

United Kingdom

Mrs. Kulnan Tsanthaiwo

Head, Priority Banking

Kiatnakin Bank

Thailand

Mr. Kyungho Kim

Head, Global Digital Department

KEB Hana

Korea

Mr. Lawrence Lam

Consumer Business Manager

Citibank

Hong Kong

Mr. Lee Yong-woo

CEO

Kakao Bank

Korea

Mr. Les Matheson

CEO, Personal Banking

RBS

United Kingdom

Mr. Lito Villanueva

EVP and Chief Innovation Officer

RCBC Group

Philippines

Mr. MA Huateng (Pony Ma)

Co-Founder, CEO

Tencent Financial Technologies

China

Mr. Madhivanan Balakrishnan

Chief Technology & Digital Officer

ICICI Bank

India

Ms. Maile Carnegie

Group Executive Digital Banking

ANZ

Australia

Mr. Manoj Varma

Consumer Business Manager

Citibank

Philippines

Mr. Manoj Varma

Consumer Business Manager

Citibank

Ms. Margaret KWAN Wing Han

Head, Retail Banking and Wealth

Hang Seng Bank

Hong Kong

Ms. Maria Cristina Tingson

EVP, Head of Retail Banking

Security Bank

Philippines

Mr. Mark Jones

CEO

SocietyOne

Australia

Mr. Mark Mullen

CEO

Atom Bank

United Kingdom

Ms. Marnie Baker

Managing Director

Bendigo Bank

Australia

Mr. Marwan Hadi

Head, Retail Banking and Wealth

HSBC

Ms. Mary Callahan Erdoes

CEO, Asset and Wealth

JP Morgan Chase

Ms. Mary Mack

SEVP, Community Banking and Consumer Lending

Wells Fargo

Mr. Matthias Kröner

CEO

Fidor Bank

Germany

Ms. Melanie Evans

Head, Retail Bank

ING Direct

Australia

Mr. Michael De Vito

SVP, Head of Community Banking and Consumer Lending

Wells Fargo

Mr. Michael Wang Lan

CEO

LIVI

Hong Kong

Mr. Miguel Rio Tinto

Group CIO

Emirates NBD

United Arab Emirates

Mr. Mike Warriner

CIO, Retail Banking and Wealth

HSBC

Mr. Mike Baird

Chief Customer Officer

National Australia Bank

Australia

Mr. Min Liang Tan

CEO

Razer

Singapore

Mr. Mitchell Harris

CEO, Wealth Management

BNY Mellon

Mr. Mohamed Keraine

Head, Retail Banking

ING Direct

Philippines

Mr. Mohammed Al Garni

Head of Retail banking

Gulf International Bank

Saudi Arabia

Mr.Tom Blomfield

CEO

Monzo

United Kingdom

Mr. Aditya Menon

Managing Director, Global Digital Strategy

Citibank

N/A

Mr Rohan Mahadevan

SVP, APAC CEO

Paypal

N/A

Ms.Ruchanee Nopmuang

EVP, Retail Banking

Bangkok Bank

Thailand

Mr. Mudit Saxena

Head of Retail

Commercial Bank of Dubai

United Arab Emirates

Mr. Nadeim Makarim

CEO and Founder

Go-Jek

Indonesia

Mr. Naoki Hori

Group Head, Retail & Commercial Banking

MUFG

Japan

Mr. Narong Srichukrin

Head, Wealth Management

Siam Commercial Bank

Thailand

Mr. Nazri Othman

EVP/Head, Group Retail Banking

RHB Bank

Malaysia

Mr. Nguyen Tuan Anh

Head, Grab Financial Group

Grab

Vietnam

Mr. Nguyen Thanh Cong

Head of Retail Banking

Techcombank

Vietnam

Mr. Nick Storonsky

CEO

Revolut

United Kingdom

Mr. Ning Tang

Chairman, CEO & Founder

CreditEase

China

Ms. Nurul Akmar Jaafar

Head of Retail Banking

BIBD

Brunei Darussalam

Mr. Olu Akanmu

Executive Director, Retail Banking

FCMB

Nigeria

Mr. Olufunke Smith

Group Head, Retail Banking Group

First Bank of Nigeria

Nigeria

Mr. Omar Al-Ansari

Head of Retail Banking

HSBC

Qatar

Mr. Paolo Azzola

MD and CEO

PayMaya Group

Philippines

Mr. Paolo Eugenio Baltao

Head, EON Banking

Union Bank of the Philippines

Philippines

Mr. Patchara Samalapa

Head, Retail Business Division

Kasikornbank

Thailand

Ms. Pei-Si Lai

Head of Retail Banking

Standard Chartered Bank

Malaysia

Mr. Peter Schlebusch

CEO, Personal & Business Banking, Head of Digitisation

Standard Bank

South Africa

Mr. Peterjan van Nieuwenhuizen

Head, Digital Banking

BTPN (Jenius)

Indonesia

Mr. Pham Thanh Duc

Chief Executive Officer

MoMo

Vietnam

Mr. Philip King

Global Head, Retail Banking

Abu Dhabi Islamic Bank

United Arab Emirates

Ms. Phung Duy Khuong

Head of Retail Banking

VietinBank

Vietnam

Mr. Pranav Seth

SVP, Digital & Innovation

OCBC

Singapore

Mr. Praveen Kumar Gupta

MD, Retail and Digital Banking

State Bank of India

India

Mr. Rajesh Kumar

Group Head Retail Credit and Risk

HDFC Bank

India

Rajiv Anand

Executive Director, Retail Banking

Axis Bank

India

Mr. Ravneet Gill

Managing Director & CEO

Yes Bank

India

Mr. Ricky Knox

CEO

Tandem

United Kingdom

Mr. Robert Bell

CEO

86 400

Australia

Mr. Rolando C. Tanchanco

Head, Consumer Lending

BDO

Philippines

Mr. Ron Hose

Co-founder and CEO

coins.ph

Philippines

Mr. Ronald Bart Huisman

Chief Retail Banking Officer

Thai Military Bank

Thailand

Ms Rosdi Amin Yaakub

Deputy CEO and Head, Personal Financial Services

HSBC

Brunei

Ms. Rosemarie C. Gan

EVP, Head of Retail Banking

Chinabank

Philippines

Mr. Sabbir Ahmed

Head, Retail Banking and Wealth

HSBC

Mr. Sabbir Ahmed

Head, Retail Banking and Wealth

HSBC

Vietnam

Mr. Saleh Abdullah Ibrahem Alzumaie

Assistant GM, Retail Banking

Al Rajhi Bank

Saudi Arabia

Mr Samir Gupta

Chief Executive Officer of Group Consumer Banking

CIMB

Malaysia

Mr. Samir Subberwal

Regional Head, Retail Banking, Greater China & North Asia

Standard Chartered Bank

China

Mr. Sandile Shabalala

CEO

TymeBank

South Africa

Mr. Sanjay Malhotra

Chief, Consumer Banking

Dubai Islamic Bank

United Arab Emirates

Mr. Sarut Ruttanaporn

Head, Retail Segment and Branch Network

Siam Commercial Bank

Thailand

Mr. Satish Kumar Gupta

MD and CEO

Paytm Payments Bank

India

Mr. Sebastian Arcuri

Regional Head, Retail Banking, ASEAN & South Asia

Standard Chartered Bank

India

Mr. Sebastian Arcuri

Regional Head, Retail banking, Asean and South Asia

Standard Chartered Bank

Singapore

Mr. Sethu Venkateswaran

Group Head, Retail Banking

Arab Banking Corporation

Bahrain

Mr. Shaker Zainal

Head, Retail Banking Group

Commercial Bank International

United Arab Emirates

Ms. Shanti Ekambaram

President, Head of Consumer Banking

Kothak Mahindra Bank

India

Mr. Sharad Mohan

Country Head, Retail Banking

Citibank

India

Mr. Shehzad Hameed

MD, Head of Retail Banking

Standard Chartered

United Arab Emirates

Mr. Sherif Lokman

Head of Retail and Branch Banking Group

Alex Bank

Egypt

Mr. Shu Gu

President

ICBC

China

Mr. Sim S. Lim

Group Head, Consumer Banking and Wealth

DBS

Singapore

Mr. Simon Loong

CEO

WeLab

Hong Kong

Mr. Simpa Adaba

Head, Wealth Management

Standard Chartered Bank

Nigeria

Mr. Son Nguyen Thanh

Director of Retail Banking

Military Bank

Vietnam

Mr. Sonny Wahyubrata

Head, Retail Banking

Bank Danamon

Indonesia

Mr. Sonny Zulu

GM, Head Retail Clients

Standard Chartered Bank

India

Mr. Spike Wu

President, Retail Banking

Taishin International

Taiwan

Mr. Stewart Lockie

GM of Retail Banking

Al Ahli Bank Kuwait

Kuwait

Mr. Stuart Parker

CEO

USAA

Mr. Stuart Haire

Head, Retail Banking and Wealth

HSBC

Mr. Subroto Som

Head, Retail Banking Group

Mashreq Bank

United Arab Emirates

Mr. Subroto Som

Head, Retail Banking Group

Mashreq Bank

Mr. Sung-ho Park

Head, Retail Banking

KEB Hana Bank

Korea

Mr. Sunny Quek

Head, Consumer Financial Services

OCBC

Singapore

Mr. Suresh Bajpai

GM Consumer Banking Group

National Bank of Kuwait

Kuwait

Ms. Susan Shakespeare

Head of Consumer Business and EMEA International Personal Bank

Citibank

United Kingdom

Mr. Suvo Sarkar

SEVP & Group Head, Retail Banking and Wealth

Emirates NBD

United Arab Emirates

Mr. Suvrat Saigal

MD, Head of Global Retail

National Bank of Abu Dhabi

United Arab Emirates

Mr. Takeo Tohara

CEO

Jibun Bank

Japan

Ms. Tambok P. S. Simanjuntak

Managing Director, Retail Banking

BNI

Indonesia

Mr Tan Kong Khoon

Managing Director and CEO

Hong Leong Bank

Malaysia

Mr. Tan Tzu Hua, Lenz

Executive Director, Country Head, Credit - Retail

UOB

Malaysia

Mr. Tanyapong Thamavaranukt

President

Ascend Money

Thailand

Ms. Tara Latini

Head, Retail Banking and Wealth

HSBC

Malaysia

Mr. Thakorn Piyapan

Head, Consumer Group

Krungsri Bank

Thailand

Mr. Thong M. Nguyen

President, Retail Banking and Co-Head of Consumer

Bank of America

Mr. Ti Eng Hui

Deputy General Manager, Retail Banking

Baiduri Bank

Brunei

Mr. Tian Huiyu

Chief Retail Officer

China Construction Bank

China

Mr. Tom Tobin

Head of Retail Banking Group

Vietcombank

Vietnam

Mr. Tomiwa Sotiloye

Group Head, Retail and Consumer Banking

United Bank for Africa

Nigeria

Mr. Tu Tien Phat

Head of Consumer Banking

Asia Commercial Bank

Vietnam

Mr. Valentin Stalf

CEO

N26

Germany

Mr. Van Chien Dinh

Deputy CEO, Head Retail Banking

TPBank

Vietnam

Ms. Vicky Kong

Head, Retail Banking

Standard Chartered

Hong Kong

Mr. Vijay Manoharan

CEO

CIMB Philippines

Philippines

Mr Vikram Issar

GM, Consumer Banking

Gulf Bank

Kuwait

Mr. Vincent Hui

Head, Personal Banking Division

Bank of East Asia

Hong Kong

Ms. Vira-anong Chiranakhorn Phutrakul

Head, Consumer Business

Citibank

Thailand

Mr. Xinfa Cai

Head of Retail Banking

Ping An Bank

China

Ms. Yihan Fang

CEO

Yirendai

China

Mr. Youngsu Ko

CEO

LINE Pay

Japan

Mr. Yuttachai Teyarachakul

Head, Personal Financial Services

UOB

Thailand