Sanjay Malhotra

Chief Digital Officer
Dubai Islamic Bank

Sanjay Malhotra is the Chief Digital Officer at Dubai Islamic Bank. He is responsible of envisaging DIB’s digital future and trends while overlooking DIB’s commitment to make digital banking more convenient and reliable, to continually meet the evolving needs of customers.


With over 26 years of multi-functional experience in leading banks of the region, Sanjay is a prominent figure in the Consumer Banking genre. He was the Chief of Consumer Banking for 3 years at Dubai Islamic Bank and prior to joining DIB, Mr. Malhotra has been appointed as General Manager – Retail and Private Banking at National Bank of Oman. He was previously Head of Retail Banking (International) at National Bank of Kuwait. Sanjay has also worked with Citibank, ANZ Grindlays and Arab Bank in multiple geographies in Asia, Middle East, Levant & North Africa.


In the early part of his career, he worked as functional head for areas as diverse as marketing, product management, and retail risk and credit. He has been driving business strategy as a country and regional business head for over 12 years. He is also a board member of Dubai Islamic Financial Services (DIFS) and Emirates Digital Wallet.


Colleagues view Sanjay as someone with strong people skills. He is an approachable and committed banker who is always willing to impart his ideas and experienced knowledge towards the continuous development of his department and the overall bank.


An Indian national, Sanjay is a graduate engineer and MBA from BITS-Pilani in India. He is married and has two children.

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