Tian Gao

Tian Gao is a seasoned professional in risk analytics with extensive experience in leading roles across several prominent financial institutions. Currently serving as Manager Global Risk Analytics at HSBC since March 2025, Tian Gao is involved in the development of Internal Ratings-Based Approach (IRBA) models, including Loss Given Default (LGD) and Exposure at Default/ Credit Conversion Factor (EAD/CCF). Prior to HSBC, Tian Gao worked at ProCredit Holding as an Expert in Credit Risk Quantification, focusing on the validation of rating and IFRS9 models. From January 2012 to April 2024, experience at Santander Consumer Bank AG included roles as Senior Risk Specialist for Business and Corporate Banking, overseeing credit risk models and portfolio analysis, and as Risk Specialist in Analytics and Solutions, where contributions were made to model development and regulatory audits. Tian Gao's educational background includes a Master's degree in Economics from the University of Mannheim and a Bachelor's degree in Economics from Heidelberg University.