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    Masha Muzyka

    CECL, IFRS 9, and IFRS 17 expert; credit risk and insurance risk specialist; strategic planning and credit analytics solutions consultant

    Masha Muzyka provides accounting expertise across various solutions, products, and services offered by Moody’s Analytics. She leads a team of subject matter experts responsible for solution structuring for allowance calculation, stress testing, capital planning, credit risk management, and insurance risk management. Masha’s primary focus is on banks, credit unions, and insurance companies.

    Moscow State University: BS, Economics
    • Certified Public Accountant

    Current Expected Credit Loss Model (CECL): Moody’s Analytics provides tools for the most crucial aspects of the expected loss impairment model, with robust solutions to aggregate data, calculate expected credit losses, and derive and report provisions.

    IFRS 9: Moody’s Analytics offers a modular, flexible, and comprehensive IFRS 9 impairment solution that facilitates banks’ efforts to calculate and manage capital set asides for these provisions.

    IFRS 17 Insurance Contracts: The Moody’s Analytics suite of software solutions, models, content, and services helps support the new requirements of IFRS 17 Insurance Contracts.


    Loss Accounting: CECL: New credit loss accounting standard that replaces the current ALLL accounting standard.

    Stress Testing: Gauge of how certain stressors will affect a company, industry, or specific portfolio.

    Loss Accounting: IFRS 9: Recognition of loss allowance for financial assets, based on expected credit losses.

    Published Work