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    Dr. Deniz Tudor

    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.
    Published Work
    Article

    A Comparative Analysis of Household Credit Data From the New York Fed and Moody's Analytics

    The importance of accurate and timely data on household credit conditions became clear during the global financial crisis. Quickly rising delinquencies and foreclosures should have been a warning to lenders and regulators to significantly tighten the spigot on new lending that was wide open during the pre-crisis boom. However, partially due to data limitations, many financial institutions were surprised by the weakening of household balance sheets. By the time they realized the severity of the problem, it was too late to act.

    August 2019
    Webinar-on-Demand

    Moody's Analytics Webinar: U.S. Consumer Credit Outlook

    Join Moody's Analytics' Scott Hoyt and Deniz Tudor, as they discuss the current and anticipated trends in household credit conditions based on data from Equifax.

    June 2019
    Webinar-on-Demand

    Moody's Analytics Webinar: U.S. Consumer Credit Outlook

    Listen as Moody's Analytics Scott Hoyt and Deniz Tudor, discuss the current and anticipated trends in household credit conditions based on data from Equifax. Key topics include:

    February 2019
    Webinar-on-Demand

    CECL for Consumer Lending Portfolios - Checklist

    As internal model development and use of vendor models for CECL submission are fast in progress for those submitting by January 2020, our analystsreview a checklist that will help you organize CECL project plans.

    November 2018
    Webinar-on-Demand

    CreditForecast.com: U.S. Consumer Credit Outlook

    Moody's Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

    August 2018
    Presentation

    CreditForecast.com: U.S. Consumer Credit Outlook

    Moody's Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

    August 2018