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Gaurav is the Head of Group Risk Economics at HSBC. He manages a global function that produces the macroeconomic scenarios and forecasts needed to run stress tests, calculate loan impairments and to set HSBC’s business plan. Gaurav has over 13 years’ experience in Banking and Insurance. He has worked in risk management for most of this time in a variety of roles including sovereign risk, credit risk modelling and economic analysis. Gaurav joined HSBC in 2014 prior to which he was at Barclays where he managed a research and analytics group in Portfolio Risk. He has a PhD in Economics from Oxford University.