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.

Ning Loh is Managing Director and Head of Credit Strategy at Moody’s Ratings, based in Hong Kong. In this role, he is responsible for defining, articulating and promoting Moody’s global house views on credit drivers, macroeconomic forecasts, financial markets and emerging markets dynamics. Concurrently, he is also Chief Credit Officer for APAC and works with rating groups throughout the region to develop Moody’s perspectives and research regarding macroeconomic, policy, and thematic trends that affect credit risk.

Since joining Moody’s in London in 2005, Ning has held roles across various markets and rating groups in Europe, Asia, and the US. In 2015, he moved to Hong Kong to lead the structured finance new ratings franchise for South and Southeast Asia. In 2018, Ning led the U.S. Corporate Asset-Backed Securities (ABS) team. He later returned to Hong Kong to head the North Asia (excluding Japan) team in the Project & Infrastructure Finance Group before taking on his current position.

Before joining Moody’s, Ning practiced law in London, specialising in structured finance and debt capital markets. Ning holds a Master's in Civil Engineering from Imperial College London and is a Solicitor of the Senior Courts of England and Wales.

Rebecca Tan is an Executive 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.

Andrew is a Senior Director of the Insurance Solutions business in the Moody’s Hong Kong office. He has worked for over 20 years assisting customers in the application of enterprise software solutions. Andrew focuses on a variety of client-focused work including the development of our IFRS 17 proposition, and direct oversight of implementation projects. In this role he collaborates with advisory services, research, product, sales, and implementation services teams to deliver tailored solutions for insurers.

Andrew has over 10 years’ experience in risk management for pensions, banks, asset managers, and insurers. Before joining Moody’s Analytics, he worked at Markit/QuIC, Algorithmics, Mercer, and RBC. Andrew is a CFA Charterholder, and holds a variety of designations including the FRM, PRM, and CAIA.

Stefan Angrick is the Head of Japan and Frontier Market Economics at Moody's in Tokyo. He holds a master's degree from Leipzig University and a PhD from the National Graduate Institute for Policy Studies in Tokyo. He has previously held positions with Oxford Economics, the Asian Development Bank Institute, the Bank of Finland, and Keio University.

Sean Hung is a Senior Vice President 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.