Lalit Lohia

Chief Credit Officer, ASEAN - Retail Banking
Standard Chartered Bank (Singapore) Limited

IBF Fellow (2019)

Risk Management

"Effective risk management requires an in-depth understanding of core and extrinsic risks, which helps deploy right controls to drive business growth and resilience. Even after comprehensive planning, navigating future uncertainties is as much an art as it is a science."


Lalit Lohia is the Chief Credit Officer, ASEAN and Country Credit Head, Singapore (Retail Banking) at Standard Chartered Bank.

He joined the Bank in 2015 and brings a wealth of banking experience. As a member of the risk leadership team, he sets the global risk agenda for the Retail Risk function, embedding sound risk culture across the organisation.

Lalit is focused on managing risk for Retail Banking to deliver business outcomes that are built on sound risk management principles and advanced analytics to build a profitable and sustainable franchise. As a business co-creator, Lalit is committed to strike a balance between driving innovation and taking appropriate risks. 

Lalit is passionate about training the next generation of risk professionals. He is part of the Bank's Risk Talent and Learning Council where he is involved in the development and delivery of risk learning programs across the Bank's global footprint.

He is also involved in industry-wide initiatives including the development of Skills Framework for Financial Services in Singapore, providing guidance on skills and career development initiatives that help shape critical risk functions and competencies for the risk roles across the banking and financial industry. Lalit is also the Chairman of the risk sub-committee for the Automated Clearing House and a participant in forums related to the industry.

Prior to joining Standard Chartered, Lalit has held several risk leadership roles in Barclays and Citigroup, across different markets.

Lalit holds post graduate degrees with distinction in Finance and Economics from London School of Economics and Delhi University, with specialisation in finance and econometrics. Outside of work, Lalit is a private pilot, a book lover and an avid learner of all things related to finance and the future of finance.​