Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong SAR, China, Sally is the Head of APAC Financial Institutions, responsible for Moody’s analytical teams covering ratings and research on APAC banks, insurance companies, and non-bank financial institutions such as securities and leasing companies. She is also a co-head of Moody’s Global Banking and Global Insurance & Asset Management rating franchises. In addition, Sally leads the Global Financial Institutions Group’s Environment, Social & Governance (ESG) efforts.

Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the
oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities firms and subsequently, became a manager overseeing various teams covering the ratings and research of Greater China and Korean financial institutions.

Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.

Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.

Louise joined Moody’s in November 2016 and is the lead analyst for most large Nordic banks. 

Prior to joining Moody’s, Louise spent nine years at Standard & Poor’s. She initially worked as a senior credit analyst in the Sovereign and International Public Finance Group, and thereafter in the Financial Institutions Group - during the global financial crisis. The last 4 ½ years at S&P, Louise headed up the rating agency’s Banking Industry Country Risk Assessments (BICRAs), the key element of bank ratings, globally.

Prior to working at Standard & Poor’s, Louise spent ten years at the European Commission in Brussels, primarily working with macroeconomic forecasts and analysis at the Directorate General for Economic and Financial Affairs (DG ECFIN), and a couple of years working with EU affairs at the Swedish Ministry of Finance and Central Bank. Louise holds a Master of Science in Business Administration and Economics from Uppsala University.

Frank Mirenzi is a Vice President – Senior Credit Officer in Moody’s Financial Institutions Group in Sydney. Frank covers a number of Australian major and regional banks. He is also the lead analyst for the Australian insurance sector.

Prior to join Moody’s in October 2013, Frank worked as an analyst, most recently with Royal Bank of Scotland plc, covering Australian banks and insurance entities.

He holds a Bachelor of Economics from Macquarie University.

Based in Beijing, Nicholas supports cross-border rating activities of Chinese banks. Previously, he was Moody’s key point of contact on the Chinese regional and local government sector.

Prior to joining Moody’s, Nicholas advised the Asian Development Bank on various China banking initiatives. He has extensive credit experience, having worked at HSBC, Standard Chartered and ANZ on a range of sectors and issues related to risk assessment for Basel II and other regulatory frameworks. Earlier in his career he was a senior economist with the World Bank.

Nicholas holds a Ph. D. in International Finance and M.A. in Economics from Georgetown University, and a B.S. in Mathematical Statistics from Sichuan University. He is also a CFA charter-holder.

Srikanth Vadlamani is a Vice President – Group Credit Officer, APAC Banking for the Financial Institutions Group in Asia. Based in Singapore, he is primarily responsible for the credit ratings of banks and finance companies in India, Indonesia and Sri Lanka.

Prior to joining Moody’s, he was a Director in Daiwa Securities’ research department in Singapore, where he was responsible for the coverage of banks in the ASEAN region. He has also worked for other investment banks, including J.P. Morgan, Lehman Brothers and Nomura, where he covered banks and other financial institutions in India, Southeast Asia and emerging Europe.

Srikanth holds an MBA from the Indian Institute of Management, majoring in Finance and Economics.

Joseph Lin is a VP – Senior Analyst in the Financial Institutions Group in Hong Kong, responsible for the coverage on Taiwan and Hong Kong banks as well as NBFIs in China.

Joe has extensive experience in debt capital markets and credit ratings. Joe joins Moody's from CLSA Hong Kong, where he was a Director in Rating Advisory from 2020 to 2022, and prior to that, he was a Director in Debt Capital Markets at CCB International Capital Ltd in Hong Kong from 2017 to 2020. As a rating advisor, his coverage included financial institutions and corporations in China and ASEAN, and he also acted as an ESG advisor.

Prior to his role in rating advisory, Joe was a credit rating analyst at Standard & Poor’s Global Ratings from 2007 to 2017 where he had diverse experience covering infrastructure issuers, leveraged finance transactions as well as acting as a trainer. He was based in New York, Taipei and Hong Kong.

Joe received his Bachelor of Science in Economics from Syracuse University, Master of Business Administration in Financial Management from Pace University and Master of Science in Management from New York University.

Juwon Lee is Vice President – Senior Analyst with Moody’s Ratings, Financial Institutions Group. Based in Hong Kong, she covers a portfolio of financial institutions in Korea and Mongolia. 

Juwon newly joins from Australia and New Zealand Banking Group where she covered Korea financial institutions and Japan banks for seven years. Prior to ANZ, she spent six years at Macquarie Securities as an equity analyst covering Korea shipbuilding, machinery, and logistic companies. Juwon also held positions at MUFG Bank and Hyundai Oilbank. 

Juwon holds a bachelor’s degree in Business Administration from Ewha Womans University.

Rebecca Tan is an Associate Managing Director in the Financial Institutions Group (FIG), based in Hong Kong SAR, China. She manages a team of analysts covering the ratings and research of Korean banks as well as Greater China and Korean non-bank financial institutions.

Rebecca joined Moody’s in 2015 as an Associate Analyst and has progressed through roles of increasing responsibility. During her tenure with FIG, she led ratings across banks and finance companies in key South and Southeast Asian economies, building strong relationships with issuers, regulators and investors throughout the region. She also authored high-profile research reports and represented Moody’s at media interviews and investor conferences.

From 2023 to 2025, Rebecca was part of the APAC Regional Management team, working closely with senior management to develop and execute Moody’s global strategy across the region. Her responsibilities included overseeing the operations of Moody's Ratings Singapore, managing relationships with Moody's affiliates and serving as a Non-Executive Director on the board of an affiliate’s subsidiary. Rebecca rejoined FIG in 2026.

Prior to joining Moody’s, Rebecca was a banking regulator at the Monetary Authority of Singapore. She has 15 years of experience in the financial industry.

Rebecca holds a Bachelor of Accountancy (Honors) from Nanyang Technological University, Singapore, and is a Chartered Accountant.