Manual Rosha

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HSBC India appoints Surendra Rosha as CEO

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If we are able to land certain reforms already in place well like GST and IBC, it would lift growth rate by 50 basis points to around 7. How do you see your role in this new scheme of things, especially with regard to retail? The global network does not mean that we cannot have a proposition in retail as well. Our role is to connect customers. In the retail context, there is a large NRI diaspora of about 30 million Indians living outside India, and many of them have Indian banking needs.


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Our ability to connect those is quite a unique proposition while at the same time, we look at Indians sending their children overseas to study, or other requirements overseas where we can play a role. Our effective focus is our network for corporates, institutions or retail customers. We did a detailed review of branches three years ago and we feel that for the next three to four years, we are right-sized in terms of branches and cities where we are.

Urban Dictionary: Rosha

Which are the new areas you think you need to be present in? We have a credible platform and a strong team here. For example, we need to grow our NRI proposition in a more cohesive manner. We are connecting with our colleagues in other countries to see how we can bring that service capability in a much more co-ordinated and seamless fashion. There are also digital aspects which we need to upgrade over the next one year. On the corporate side, we would like to bring developments into India, like startups from overseas, to improve our customer service.

It will be a separate entity incubated by HSBC. We are also working with a number of fintechs here. We no longer think about developing everything ourselves.

Rosha N Forman, CNM

We can work with partners. We have done that in building our cash management capabilities and we will look to do that in trade and retail as well.


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You reduced branches about three years ago Retail banking and wealth management are important part of our business and go beyond getting deposits. Resizing of branch network and investments in digital are all part of our efforts to adapt our retail presence with the new reality in terms of how our customers want to interact with us. You have a strong corporate franchise.

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How do you plan to expand your presence among medium and small enterprises?