Sally Yim Managing Director, Financial Institutions Moody's Ratings

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.

Eugene Tarzimanov Senior Vice President, Financial Institutions Moody's Ratings

Eugene Tarzimanov is a Senior Vice President in the Financial Institutions Group in Asia. Based in Singapore, he is the Lead Analyst for banks in Southeast Asia, including Singapore, Malaysia, Vietnam, Sri Lanka and Bangladesh. 

Eugene is also responsible for coordinating banking research across Asia Pacific, and actively represents Moody’s to regulators, investors and the media on analytical and methodological views. Eugene moved to Singapore from Moody’s Moscow office, where he covered the largest banks in Russia, as well as financial institutions in Europe and the Middle East.

Before joining Moody’s in early 2009, Eugene held senior positions during his five years with Standard & Poor’s, where he was responsible for the analysis of banks in Europe and the Middle East. He has also worked at the CEO’s office of Bank VTB, where he was responsible for inhouse research.

Eugene holds an MBA in financial management from New York’s Pace University, and a BSc in international economics from Moscow’s Finance Academy.

Sean Hung Vice President – Senior Credit Officer, Financial Institutions Moody's Investors Service

Sean Hung is a Vice President – Senior Credit Officer with the Financial Institutions Group at Moody’s Investors Service Hong Kong Limited. Sean is covering a portfolio of banks and non-bank financial institutions in China.

Before joining Moody’s, Sean worked in Hong Kong as an equity research analyst for Barclays Capital Asia Limited, specializing in Chinese banks and payment companies. He had also worked in credit analysis and risk management in Visa Hong Kong, specializing in settlement risk of the financial institutions in North Asia.

Sean has a BA in Financial Services from Hong Kong Polytechnic University and an MSc in Financial Engineering from City University of Hong Kong. He is also a CFA and FRM.

Tetsuya Yamamoto Vice President - Senior Credit Officer, Financial Institutions Moody's Investors Service

Tetsuya Yamamoto is a Vice President – Senior Credit Officer with the Financial Institutions Group of Moody’s Japan. He covers ratings across a portfolio of Japanese megabanks, major banks, regional banks, securities firms, government related financial institutions, and finance companies. 

Prior to Moody’s, Tetsuya worked as a senior portfolio manager for Tokyo Star Bank. Prior to Tokyo Star Bank, Tetsuya worked for Sumitomo Mitsui Banking Corporation (formerly Sumitomo Bank) as a senior analyst at Corporate Research Department in Tokyo and Hong Kong, covering a wide range of sectors including food & beverage, retail & wholesale, telecommunications, steel, chemical and financial institutions. 

Tetsuya holds a bachelor’s degree in economics from Kyoto University.

Amit Pandey Vice President - Senior Analyst, Financial Institutions Moody’s Ratings

Amit Pandey joined Moody’s APAC FIG in Singapore in 2023. He covers a rating portfolio of banks in Asia-Pacific, in particular the South and Southeast Asian region.

Previously, Amit was with S&P Global Ratings for over 10 years in Singapore covering a portfolio of ASEAN and South Asian financial institutions. Prior to that, he served in the debt capital market team of HSBC India and the credit department of Axis Bank in Mumbai. 

Amit has extensive credit experience in providing rating and capital advisory services to issuers across the Asia-Pacific region, as well as debt origination and management services of credit portfolios.

Amit has a Bachelor’s degree in Electrical Engineering from Harcourt Butler Technological Institute, Kanpur, and an MBA from the Indian Institute of Management, Calcutta.

Joseph Lin Vice President – Senior Analyst, Financial Institutions Moody's Ratings

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 Vice President – Senior Analyst, Financial Institutions Group Moody's Ratings

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.

Yulia Wan Vice President, Senior Analyst - Financial Institutions Group Moody's Investors Service

Yulia Wan is a Vice President, Senior Analyst with Moody’s Financial Institutions Group in Asia. Based in Shanghai, she is responsible for a portfolio of banks in Mainland China.

Yulia has over 10 years’ experience in researching and analyzing Chinese financial institutions, including through roles at Accenture Co, Ltd in Shanghai, Xinhua Finance and Royal Bank of Canada.

Yulia got Chartered Financial Analyst designation in 2003. She holds an MBA from the Richard Ivey School of Business, and a BA and MA from the University of International Business and Economics in Beijing.

Kelvin Kwok AVP-Analyst, Financial Institution Group Moody's Ratings

Kelvin Kwok is an AVP-Analyst with the Financial Institution Group. Based in Hong Kong, he covers insurance companies in the Asia Pacific region. 

Before joining Moody’s, Kelvin worked for PricewaterhouseCoopers as a senior audit associate covering life and general insurance firms.

Kelvin holds a bachelor’s in Business Administration from the Hong Kong University of Science and Technology. He is also a Certified Public Accountant and Chartered Financial Analyst.

Chong Jun Wong Assistant Vice President - Analyst, Financial Institutions Moody’s Ratings

CJ Wong is an Analyst with Moody’s Financial Institutions Group.

Based in Singapore, CJ covers a portfolio of banks and non-bank financial institutions in Bangladesh, Malaysia and Vietnam

Prior to joining Moody’s, CJ worked as a research analyst in the Dividend Forecasting team at IHS Markit, where he was responsible for providing estimates on financial institutions and corporates in Australia and Singapore.

CJ holds a Bachelor of Commerce (Hons) from the University of Sydney, majoring in Finance and Economics. He is a CFA Charterholder.

Shirley Zeng Assistant Vice President/Manager - Ratings & Research Support, Financial Institutions Moody's Ratings

Shirley Zeng is an Assistant Vice President/Manager - Ratings & Research Support with Moody’s Financial Institutions Group. Based in Singapore, Shirley covers a portfolio of banks and non-bank financial institutions in the South and Southeast Asia. 

Prior to joining Moody’s, Shirley was an auditor with KPMG Singapore, covering clients in the banking, investment management and commodity trading industries. 

Shirley holds a Bachelor of Accountancy from the Nanyang Technological University of Singapore.