Director, Consumer Credit Analytics
Deniz is a director in the credit analytics group. She develops and stress tests credit models in various consulting projects. She has extensive experience in modeling residential, auto, and credit card loans. Deniz has a PhD from the University of California, San Diego and BA degrees in economics and business administration from Koç University in Turkey.
This article discusses areas such as capital stress testing where simplification of regulations could improve the flow of credit while protecting the financial system.
In this article, we analyze the potential effects of upcoming CECL regulations on lenders and explore the impact of CECL under different Moody’s Analytics scenarios.
In this article, we analyze the potential effects of upcoming CECL regulations on lenders and explore the impact of CECL under different Moody's Analytics scenarios. A poorly timed transition could lead to a market-wide liquidity shortage or a crisis in economic activity. We provide suggestions on how the transition to CECL can be managed smoothly for minimal economic impact.
Through econometric models based on Equifax industry performance data, Moody’s Analytics can quickly deliver net present value (NPV) of forecasts under the CECL standard for “reasonable and supportable” economic scenarios. Ideal for small consumer lending portfolios or as a benchmark for large consumer lending portfolios, we provide a dashboard plus documentation summarizing the results, assumptions, and model methodology. Our service can help you effectively analyze your portfolio for all consumer credit product lines.