Moody's Analytics Experts

Emil Lopez

Credit risk modeling advisor; IFRS 9 researcher; data quality and risk reporting manager

James Partridge

Credit analytics expert helping clients understand, develop, and implement credit models for origination, monitoring, and regulatory reporting.

Ed Young

Risk management process and solution expert; capital planning strategist; CECL authority

Laurent Birade

Advises U.S. and Canadian financial institutions on risk and finance integration, CCAR/DFAST stress testing, IFRS9 and CECL credit loss reserving, and credit risk practices.

Jun Chen

A well-recognized researcher in the field; offers many years of experience in the real estate finance industry, and leads research efforts in expanding credit risk analytics to commercial real estate.

Cristian deRitis

Leading economist; recognized authority and commentator on personal finance and credit, U.S. housing, economic trends and policy implications; innovator in econometric and credit modeling techniques.

Scott Dietz

Scott is a Director in the Regulatory and Accounting Solutions team responsible for providing accounting expertise across solutions, products, and services offered by Moody’s Analytics in the US. He has over 15 years of experience leading auditing, consulting and accounting policy initiatives for financial institutions.

Anna Krayn

CECL adoption expert; engagement manager for loss estimation, internal risk capability enhancement, and counterparty credit risk management

Masha Muzyka

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

Chris Stanley

Across 15 years as a consultant and practitioner, Chris worked on a range of strategy, risk management and operational transformation initiatives with leading financial institutions throughout North America. From this collection of abstract, “what now?” challenges, he has developed specialties in credit optimization, business combinations and system implementations. Chris joined Moody’s in 2020 after leading CECL implementation and dual risk rating expansion at a $50 billion bank.

Blake Coules

Across 35 years in banking, Blake has gained deep insights into the inner working of this sector. Over the last two decades, Blake has been an Operating Committee member, leading teams and executing strategies in Credit and Enterprise Risk as well as Line of Business. His focus over this time has been primarily Commercial/Corporate with particular emphasis on CRE. Blake has spent most of his career with large and mid-size banks. Blake joined Moody’s Analytics in 2021 after leading the transformation of the credit approval and reporting process at a $25 billion bank.

Nihil Patel

Data scientist; SaaS product designer; credit portfolio analyst and product strategist; portfolio modeler; correlation researcher