A senior leader and mentor, I deliver transformation programmes and distribution strategies in a rapidly changing - and digital - environment. I was until January 2021 a Managing Director and the Global Head of Branch Footprint & Design at HSBC Group. I sat on the Bank’s Corporate Real Estate executive committee and provided subject matter expertise for a network of more than 3500 branches in 35 markets. As a senior leader in HSBC, my role was less about getting my hands dirty with raw data (though I was involved in developing the Bank’s Science of Where capability) and more about programme management and leadership, defining target operating models, budgets, planning and execution.The one question I am asked more than any other is "is there a need for branches (or stores) in the digital age?". I believe the answer is "Yes". Having the right number of branches, in the right place, with the right operating model and the right staff, can still be highly relevant as a means to connect with consumers. The Covid pandemic showed customers they don’t need branches as much as they thought, so now is the time to optimise physical distribution with online and get the best from both working together.My interest has always been in understanding how people go about buying goods. As such, I've developed an extensive range of analytical techniques to support performance management and business transformation through customer behaviour, spatial analysis and channel optimisation. Digital is the future, but it's not evenly distributed across demographic segments or markets, so a one-size-fits-all approach will never work as well as something that's tailored to specific customer preferences...I have worked with all the UK's major banks and building societies, including writing ‘The Book’ on how many branches are needed to remain relevant - and profitable - in the digital age. I also have extensive experience of working in global markets. Specialties: Agile; Programme Leadership; Physical to Digital Investment; Online/Offline Optimisation; Performance Management; FinTech; Location Planning; Customer Segmentation; Channel Strategies; Impact of Change; Profitable Outcomes