US consumers are facing a period of change amid a softer job market and evolving federal policies. Join Moody’s Ratings experts as we discuss how households are holding up and what’s ahead for everything from the broader economy to segments within it such as retail stores and non-prime lenders.
- What do latest data and policy decisions suggest is ahead for consumer conditions?
- What are credit and debit card spending and consumer credit performance signaling?
- How are the pros and cons of the environment for consumers interacting?
Speakers
Nick Monzillo
VP-Senior Analyst
Structured Finance Group, Moodys Ratings
Bruno Baretta
Vice President – Senior Analyst
Moody's Ratings
Elena Duggar
Chief Credit Officer - Americas, Managing Director, Credit Strategy and Guidance
Moody's Ratings
Kevin McNeil
Vice President - Senior Analyst
Moody's Ratings
Ranjini Venkatesan
Associate Managing Director, Corporate Finance
Moody's Ratings
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Nick Monzillo is a VP-Senior Analyst at Moody’s Ratings. As a rating analyst, Nick covers rating monitoring and new issuance of consumer-backed ABS, including auto loan and lease, student loan, and unsecured consumer loan transactions. He also serves as the research coordinator for the consumer ABS team, authoring and contributing to research articles, podcasts, and data reports on consumer credit performance. Nick joined Moody’s in 2016 and holds a bachelor’s degree in Quantitative Finance from Stevens Institute of Technology.
Bruno Baretta is a VP-Senior Analyst in the Financial Institutions Group. He currently covers a portfolio of finance companies including payday, subprime auto, and middle market lenders.
Prior to joining the Finance Companies team, Bruno worked as an Associate Analyst covering a portfolio of finance companies, securities firms and global investment banks.
Bruno holds a bachelor’s degree in Economics and Political Science from Columbia University.
Elena Duggar is Moody’s Chief Credit Officer for the Americas, and a Managing Director in the Credit Strategy & Research team. Elena is also the Chair of Moody’s Macroeconomic Board, which sets the global macroeconomic forecasts underpinning Moody’s universe of ratings.
In her role leading the North and Latin America Credit Strategy & Research teams and the Global Macroeconomic Research team, Elena is responsible for forming house views on emerging risks, driving cross-functional alignment on key credit factors, coordinating rating approach across sectors in the Americas, and maintaining rigor in analytic frameworks.
Elena leads major cross-sector outreach and research initiatives, such as Moody’s Global Credit Conditions Outlook, Global Macroeconomic Outlook, Debt after COVID and Global Trade Monitor, along with thematic research on macro, sovereign, demographics and financial risk topics. Elena represents Moody’s at the IIF Committee for Sovereign Risk Management and the IIF Principles Consultative Group for the Principles for Stable Capital Flows and Fair Debt Restructuring.
Elena has served as Chair of Moody’s Macroeconomic Board since 2016 and prior to that served as Moody’s Group Credit Officer for Sovereign Risk, covering the global sovereign ratings portfolio. She is a globally-recognized expert on sovereign defaults and the author of market leading sovereign credit research, including Moody’s Sovereign Defaults series. For example, her research on the role of holdouts in sovereign debt restructurings was cited as expert evidence in the landmark 2015 US Supreme Court case on Argentina. Elena regularly represents Moody’s macro and credit views with external audiences, including senior policymakers, international organizations such as the UN, IMF and IIF, think tanks, academia, regulators and investors. Elena’s research is frequently cited in the WSJ, the FT, Bloomberg, Reuters and leading financial media.
Elena joined Moody’s in 2007 and previously was an Economist at the IMF. She holds a B.A. in Economics from Bates College and a Ph.D. in Economics from the University of California at Berkeley.
Kevin McNeil is a Vice President- Senior Analyst in the Corporate Finance Group, Technology, Media and Telco team in New York. Kevin is responsible for the ratings of a portfolio of technology and technology-enabled services companies. Prior to joining Moody's in 2022, Kevin worked for five years at Fitch Ratings as a director and analytical lead for technology, information services and business services companies. Prior to Fitch, Kevin was a Vice President at NatWest, a Senior Associate at the Federal Reserve Bank of New York and a Consultant for Accenture. Kevin has a Bachelor of Science in Mechanical Engineering from the University of Michigan and an MBA specializing in Finance & Economics from Columbia University.
Ranjini Venkatesan is a Vice President – Senior Credit Officer in Moody’s Ratings’ Corporate Finance Group responsible for a portfolio of real estate investment trusts (REITs) and other real estate companies across a variety of property types. Prior to her current role, Ranjini was a lead analyst in Moody’s Ratings’ Financial Institutions Group covering financial guaranty and mortgage insurance companies. Before joining Moody’s, Ranjini was a sell-side equity research analyst at ABN Amro Asia. Ranjini holds an MBA from the Indian Institute of Management, Bangalore and a master’s degree in International Affairs from Columbia University.