Sandeep is based in Hong Kong and joined Manulife Financial Asia Life in August 2018.
Prior to this, Sandeep was the division head of the retail banking business at VP Bank since May 2015. VP Bank is one of Vietnam’s fastest growing joint stock retail banks. At VP Bank, in addition to the growth initiatives for various product categories and revenues, his most important innovation effort was driving the growth of digital origination for cards and loans as well as building DREAM, a completely new and unique, banking proposition that is designed to help customers fulfill their financial objectives.
Sandeep has over 25 years of banking experience in nine countries. He started his banking career with 11 years at Citibank. His approach to innovation is customer-led and deeply influenced by the thinking of former Citi CEO John Reed, whose vision for Citi’s consumer bank stated, "It should be clear that we must start with the consumer, with the family unit and with its needs for financial services." He was part of the leadership team that built Shinsei Bank, Japan’s award-winning retail bank, between 2003 and 2010.
Sandeep is a keen commentator on Asian financial services and speaks and writes about the TECS (#TECSTHENEWLEADERS) led disruption of financial services in Asia. Sandeep believes that financial services must transform faster and work harder to improve products and services for customers. He believes that digital is a huge enabler for building SIMPLER, BETTER and FASTER banking products and services.
Sandeep is a Sloan Fellow and has an MBA from MIT [Massachusetts Institute of Technology], Sloan School of Management.