Joyce Tee

Managing Director & Group Head of SME Banking, Institutional Banking Group
DBS Bank Ltd

IBF Fellow (2019)

Corporate Banking

"I have always been an advocate of building a sustainable franchise with customers at the heart of what my team and I deliver. The success of the SME Banking franchise is defined by our ability to build deep and impactful relationships with SMEs across the region, changing the lives of business owners."


​Joyce Tee is Group Head of SME Banking at DBS Bank, a leading Asian bank and recognised by Euromoney in 2018 as the "World's Best SME Bank". In 2018, Joyce was also awarded "SME Banker of the Year (Regional)" by The Asset, a tremendous recognition of her passion and dedication towards SMEs.

As Group Head of SME Banking at DBS, Joyce oversees the SME banking business across DBS' core markets, and is focused on how the bank can better serve and assist the growth of SMEs. In particular, there is a drive to use digital technology to improve the SME customer experience. Under Joyce's leadership, DBS' SME Banking franchise has delivered numerous industry-first initiatives for the customers, such as straight-through online account opening and online loans. The franchise is also focused on how it can adapt and make available to SMEs the solutions typically for large corporates, such as tapping the capital markets.

Joyce currently serves as a board member on the DBS Foundation Ltd, a not-for-profit company established to strengthen DBS' corporate social responsibility across the region, where she lends her expertise to drive positive impact amongst social enterprises (SEs). DBS Foundation Ltd has seen close collaboration with the SME Banking franchise, of which a flagship project is the DBS Social Enterprise Support Programme – where senior leaders of the SME Banking franchise provide the skills expertise to nurture and mentor the SEs on various business issues.

Joyce brings with her 30 years of experience in the financial services industry. Prior to her current role, Joyce was DBS' Head of Shipping, Aviation & Transportation, where she built trusted relationships with major corporates, including some of the world's largest aircraft lessors.

Joyce started her career in the United States at Grant Thornton providing management consultancy and financial advisory solutions to minority enterprises, working closely with the Small Business Administration and the US Department of Commerce. She subsequently joined a regional bank in Houston, Texas, as senior credit officer. After 15 years in the United States, Joyce returned to Singapore and worked in OCBC Bank's Enterprise Banking unit, covering the offshore marine and commodities sectors.

Joyce graduated from the University of Oregon with a Bachelor's degree in Finance and Decision Science and also a Master's Degree in Finance.