Sanjay Kumar
Senior Director - Head of Credit and Climate Risk Governance at Emirates NBD-
Enterprise Risk Management | Regulatory Risk | Risk Policy | Environmental and Social Risk | Risk Governance
The move
MoveMashreq Bank → Emirates NBD
TitleSenior Business Analyst (AVP) - Lean and Operations Excellence Projects → Senior Director - Head of Credit and Climate Risk Governance
LocationDubai → Dubai
Career arcRooted in UAE★
First time at this levelYes ★
Cross-border moveYes · Dubai → United Arab Emirates
UAE federal / sovereign destinationYes ★
Native languageHindi, Malayalam, Tamil, English
Years in UAE10.2
Total experience14.3 years
Emirates NBD headcount10,001+ employees
Emirates NBD industryBanking
Emirates NBD HQDubai, United Arab Emirates
Emirates NBD typePublic Company
Career arc
- Senior Director - Head of Credit and Climate Risk GovernanceNov 2025 — Present
Emirates NBD· Dubai, United Arab Emirates - Senior Manager - Group Enterprise,Climate Risk and Credit Risk ManagementDec 2023 — Nov 2025Emirates NBD· Dubai, United Arab Emirates
- Manager - Group Enterprise and Regulatory Risk (ERM)Feb 2022 — Dec 2023Emirates NBD· Dubai, United Arab Emirates
- Manager - Risk Infrastructure (Credit and Risk Projects)Jan 2018 — Feb 2023Emirates NBD
- Senior Business Analyst (AVP) - Lean and Operations Excellence ProjectsSep 2015 — Dec 2017
Mashreq Bank· Dubai - Senior Officer - Corporate Credit (Group Risk)Oct 2013 — Sep 2015Mashreq Bank· Dubai
- Credit Operations Officer (Group Risk)Jan 2012 — Oct 2013Mashreq Bank· Dubai
Education
- Bharathiar UniversityBusiness Management Graduate · Business Administration and Management, General2004 — 2007
- Harvard Manage Mentor - Online Program· Change Management, Strategy Execution, Innovation and Creativity2012 — 2012
- British Standards Institution incorporated by Royal CharterISO 9001: 2008 Certified Internal Auditor · Quality Management System2013 — 2013
- Mashreq Sharia CertificationSharia and Islamic banking Certification2013 — 2013
- University of WollongongMaster of International Business · International Economics2007 — 2009
Languages
- Arabic · Elementary
- Hindi · Native or bilingual
- Malayalam · Native or bilingual
- Tamil · Native or bilingual
- English · Native or bilingual
Top skills
SyndicationsManagementCreditRelationship ManagementCommercial BankingMIS