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.

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.

Clarabelle Tan is an Analyst with Moody’s Financial Institutions Group. 

Based in Singapore, she is responsible for Moody’s portfolio of banks and non-bank financial institutions in Indonesia and Philippines. 

Prior to joining Moody’s, Clarabelle was a Senior Associate with PricewaterhouseCoopers Singapore in the Financial Services Assurance team, covering clients in the asset wealth management, venture capital and banking industries. 

Clarabelle holds a Bachelor of Business Administration (Honors), Accountancy from the National University of Singapore.