Subramanian Palaniappan

Subramanian (Pal) Palaniappan serves as Executive Director and Head of Strategic Initiatives for Consumer Banking Operations at DBS Bank since December 2012, with a strong focus on customer center transformation and technology integration. Prior experience at Citibank included roles as Vice President and Application Development Manager, overseeing credit initiation applications across Asia Pacific and ensuring compliance with audits. Subramanian's earlier career includes positions at Stamford Press Pte Ltd as a System Analyst, Skills India Consultants as Systems Coordinator, and Vivek & Co as a Programmer. Subramanian holds an MBA in Finance and Marketing from S P Jain School of Global Management, an M.Tech in Software Engineering from the National University of Singapore, and a B.Sc in Applied Sciences from the University of Madras.