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    Sohini Chowdhury

    Dr. Sohini Chowdhury

    Sohini Chowdhury is a Director and Senior Economist with Moody's Analytics, specializing in macroeconomic modeling and forecasting, scenario design, and market risk research, with a special focus on stress testing and CECL applications.

    Cristian deRitis

    Cristian deRitis, PhD

    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.

    David Fieldhouse

    Dr. David Fieldhouse

    David Fieldhouse is a Director of Consumer Credit Analytics at Moody's Analytics, where he oversees the development of retail loan performance models for financial lending institutions.

    Anna Krayn

    Anna Krayn

    Anna Krayn manages a Regulatory and Accounting Solutions team that structures solutions for stress testing, capital planning, credit risk management, insurance risk management, and impairment.

    Emil Lopez

    Emil Lopez

    Emil Lopez heads the risk measurement group, where he leads risk modeling advisory engagements and manages the team's data quality, risk reporting, and IFRS 9 research.

    Masha Muzyka

    Masha Muzyka

    Masha Muzyka provides accounting expertise across various solutions, products, and services offered by Moody's Analytics in the United States.

    Deniz Tudor

    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.

    Ed Young

    Ed Young

    Ed Young works on projects involving credit risk, enterprise capital planning/stress testing, and CECL, helping clients solve complex financial risk management challenges.