Koteswara Rao (Kots) M

About Koteswara Rao (Kots) M

Seasoned Global Technology Executive and GCC Leader with 25+ years of experience driving large-scale business and technology transformation across global financial services. I currently lead HSBC's Corporate & Financial Institution Lending Technology organization and serve as Head of the HSBC Technology Centre, Hyderabad, one of the bank's largest global technology hubs with over 3,900 professionals.Throughout my career, I have led the modernization of enterprise lending, credit approval, risk, and regulatory platforms across 60+ markets, delivering resilient, scalable, and regulatory-compliant solutions. I currently oversee a $40M+ global change portfolio, partnering with business and technology leaders to accelerate growth, strengthen risk management, and enhance client experience. My leadership has been shaped by a passion for transformation—leveraging Cloud, AI, Data, Automation, Simplification, and Agile delivery to reimagine business capabilities and operating models. Recent initiatives, including the re-engineering of enterprise credit approval platforms and the rollout of next-generation risk data and reporting capabilities, have received multiple international awards for engineering excellence and innovation. As Head of the HSBC Technology Centre in Hyderabad, I have end-to-end accountability for site leadership, talent strategy, culture, operational governance, and execution excellence. I have successfully built high-performing global teams, established Centers of Excellence, and led workforce transformation programs that strengthen talent pipelines while positioning GCCs as strategic innovation and value-creation hubs. A strong advocate of engineering excellence, I spearheaded HSBC's first regulatory risk reporting implementation on Google Cloud (AnaCredit) and led the development of a cloud-first credit risk engine powering HSBC Kinetic's digital lending journey—one of the industry's pioneering mobile-first business banking credit platforms. Having lived and worked across the US, Canada, and the UK, I bring extensive international leadership experience and a proven ability to build trusted partnerships with executive stakeholders, regulators, and global teams to deliver complex transformation agendas. Beyond my corporate responsibilities, I actively contribute to industry forums, collaborate with academia and research institutions, and remain deeply committed to developing future technology leaders and advancing innovation within the financial services ecosystem.

Experience

1. GLOBAL HEAD OF TECHNOLOGY - CORPORATE & FI LENDING, HSBC & HEAD - HSBC TECHNOLOGY CENTER, HYDERABAD

   HSBC

   Apr 2024 — Present

2. GLOBAL HEAD OF TECHNOLOGY - WHOLESALE CREDIT DECISIONING, HSBC

   HSBC

   May 2023 — Jun 2024 · Hyderabad, Telangana, India

3. GLOBAL HEAD OF TECHNOLOGY - WHOLESALE CREDIT RISK, DATA & ENTERPRISE REPORTING, HSBC

   HSBC

   Jan 2021 — May 2023 · Hyderabad, Telangana, India

   Global Head of Technology- Wholesale Credit Risk & Enterprise Risk Data and Reporting

4. Global Head - Wholesale Credit Risk IT & Head - Risk IT, HSBC Technology India

   HSBC

   Apr 2017 — Sep 2022 · Hyderabad

   Global Service Line Head (Head of DevOps) for Wholesale Credit Risk IT, leading a $40M change portfolio that support critical services for the bank in the area of Credit Approval and Counter-party risk reporting for global and local regulators across 64 countries Global Wholesale Credit is an integrated underwriting, monitoring and product management division servicing wholesale business across the enterprise. This team services 22,000+ users across Business Banking, Commercial Banking and Global Banking. Wholesale Credit interfaces with an aligned, fulfillment and servicing function, supported by an independent risk-management approval function Currently spearheading technology transformation programs within Wholesale Credit Risk function aimed at streamlining end-to-end credit lending and significantly lowering ‘Time To Yes’ and ‘Time To Cash’ for the bank. This includes digitization of remarks during application hand-offs between first and second line of defense, enabling best-in-class capabilities to manage and track Covenants and conditions of approval, digitization of Global Annual Reviews and Local Entity Reviews, elimination of credit memos and enabling tracking of MNPI applications Delivering key programs enabling Basel-III compliance including integration with best-in-class ratings systems for Probability of Default (PD) and Loss Given Default (LGD). Enabled regulatory reporting across various jurisdictions by holding and reporting multiple risk ratings. Implementing Collateral Data Service providing much needed Collateral Eligibility compliance for RWA calculations Re-engineering counter-party regulatory reporting by embracing a hybrid-platform that leverages advantages of cloud eco-system (Google cloud) and data residency requirements across regions

5. Global Head of Technology - Retail Credit Management & Center Head - Risk Technology, HTI

   HSBC Global Technology India

   Oct 2015 — Mar 2017 · Hyderabad Area, India

   Principle Responsibilities: HEAD - GLOBAL RISK IT, INDIA Head a well-managed delivery organization, made of appropriate skills and capabilities aligned to business needs and aligned to location and resource optimization strategy of Risk IT function. Lead various transformation programs aimed at improving agility and productivity (Agile & DevOps) and quality (QLeap) of the delivery within a strong approach of cost control. As a member of India Leadership Council (ILC), plan and execute strategic direction, local policy creation and make recommendations on critical issues impacting HSBC Software Development India Limited. People and talent management through positive engagement, training and empowerment of associates with a view to drive leadership from India IT centers back to the group. GLOBAL IT HEAD – RETAIL CREDIT MANAGEMENT (DECISIONING APPLICATIONS) Technical leadership for the design, development, implementation and maintenance of highly complex and critical HSBC IT systems to regional or local business units Functionally heading IT teams working on Retail Credit Management (aka Decisioning) based out of HSBC IT development centers including Chicago, Tampa, HongKong, China, UK and India. Lead full spectrum of Product Lifecyle Management activities for Decisioning products i.e Account Onboarding, Account Management, Credit Bureau solutions and Retail Credit Services Analytics. Drive a strong workforce and workload management, compliant with product line’s standard process with a 12 months forecast horizon. Ensure adequate financial reporting to verify that the Decisoning applications stays in the agreed costs structure.

6. Head of Risk Software Delivery, Pune

   HSBC Global Technology India

   Apr 2013 — Sep 2015 · Pune Area, India

   Principal responsibilities : In-charge of the general management of the Risk and Compliance Software Delivery department in Pune (300+ associates) Providing India liaison for the IT teams working in the areas of - Retail Risk : Account Onboarding, Account Management, Credit Bureau Management - Security and Fraud Risk : Transaction and Application Fraud - Sanctions Screening : Customer, PEPs etc - Regulatory Compliance : Control Room IT, Trade and Market Surveillance Continuous productivity improvement through optimized delivery processes for applications build in-house or architected around vendor products. Financial reporting to verify that the Risk Software Delivery department stays in the agreed costs structure.

7. Relationship Manager - Group Retail Risk and Security Fraud Risk

   HSBC

   Aug 2011 — Mar 2013 · Greater Chicago Area

   Principal responsibilities Member of IT leadership team within Retail Risk and Security Fraud Risk with primary objective of implementing Workforce Transformation Program aimed at optimizing strengths of global delivery centers Liaise with Development Managers and Individual Contributors performing system development work and implementation in Retail Risk (Account Onboarding, Account Management, Credit Bureau and Delinquency Management) and Security and Fraud Risk (Transaction and Application Fraud) Develop an expert level understanding of the appropriate business systems of the Group and their associated IT development requirements Bench marking strengths and providing practical plan for maturing engagements for global delivery centers Contribute to technical leadership for the design, development, implementation and maintenance of highly complex and critical Retail Risk and SFR IT systems to regional or local business units Ensure due diligence and appropriate processes are followed when existing systems are modified and new systems are developed with the objective of improving quality whilst increasing cost effective and achieving excellent levels of risk-management

8. Program Manager - One HSBC Sales & Services

   HSBC

   May 2010 — Jul 2011 · Sheffield, United Kingdom

9. Delivery Manager - Business Intelligence

   HSBC

   Jan 2009 — Apr 2010 · Vancouver, Canada Area

   Lead a research project and published a position paper (Enterprise Reporting Portal) aimed at bench marking HSBC group enterprise reporting and providing a road-map for roll-out of reporting landscape for HSBC Group Produced proposals for Data Quality Management, conducted gap analysis for Executive Dashboard for CEOs, worked on HSBC Technology and Services alignment for Global Analytics Program

10. Technical Team Lead - Clickstream Datawarehousing

    HSBC

    Jan 2005 — Dec 2008 · Jersey City, New Jersey

    Lead Click Stream Data warehouse related to Personal Internet Banking

11. Senior Software Programmer

    HSBC

    May 2002 — Jan 2005 · Pune, Maharashtra, India

Education

• Indian Institute of Metals, Calcutta

  Bachelor of Engineering (BE) · Metallurgical Engineering

  1996 — 1998

• MRAGR Polytechnic, Vizianagaram, Andhra Pradesh, India

  Diploma · Metallurgical Engineering

  1991 — 1996

• Indian Institute of Technology, Bombay

  Master of Technology (M.Tech.) · Metallurgical Engineering and Materials Science

  1999 — 2001

Skills

• Agile Methodologies
• Requirements Gathering
• Business Analysis
• PMO
• Team Management
• Generative AI
• ETL
• Business Process
• Project Management
• Technology Center Management
• Requirements Analysis
• Project Delivery
• Financial Risk
• Credit and Lending
• Data Warehousing
• Artificial Intelligence (AI)
• GCC Leadership
• Business Intelligence
• PMP
• Banking
• Global Delivery
• Management
• Enterprise Architecture
• Responsible AI
• Program Management
• Resource Management
• Change Management
• Generative AI Tools
• Digital Transformation
• Offshoring
• Leadership
• Business Transformation
• SDLC
• Software Development Life Cycle (SDLC)
• Outsourcing
• Information Technology
• Software Project Management
• IT Strategy
• Business Process Automation
• Wholesale Credit Risk