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.

Anushka Shah is a Vice President with Moody’s Sovereign Risk Group. Based in Singapore, Anushka covers a number of countries in Asia Pacific, including Malaysia, Indonesia, Vietnam, Taiwan, the Maldives and Mongolia. 

Prior to joining Moody’s, Anushka worked for more than seven years at Citi Investment Research in Bombay, where her focus was on the South Asian economies. 

Anushka has a Master’s in Economics and Finance from the University of Warwick and a Bachelor’s in Economics from the University of Bombay.

Lina Choi is an Associate Managing Director with the Corporate Finance Group for Moody’s Investors Service HK Ltd. She covers a portfolio of Chinese corporates in various sectors, including Internet, technology, food and beverage.

Before joining Moody’s, Lina worked as a senior investment analyst for AllianceBernstein Holdings LP, a US asset management company. She covered Chinese equities in the telecoms, media and technology sectors. Lina has also worked as an Executive Director at Morgan Stanley’s Equity Research Division, overseeing the Asian telecommunications industry.

Lina has an BA in Economics from the University of Chicago. She is a CFA charter holder.

Chen Huang is an Associate Managing Director within Moody’s Financial Institutions Group. Based in Hong Kong, she manages teams of analysts covering the ratings and research of Asian insurers and Chinese banks.

Chen joined Moody's in December 2020 as a Senior Vice President from Autonomous Research/Sanford C. Bernstein, where she primarily covered Chinese banks as a partner before moving to her most recent position as a consultant in China macrofinancial research. Previously, she worked at CLSA (now CITIC CLSA) as a senior analyst covering Chinese banks and non-bank financial institutions.

Earlier in her career, she worked as a senior auditor at PricewaterhouseCoopers and had a brief stint at Caijing Magazine (now Caixin).

Chen received her Master of Public Administration from Syracuse University in the U.S and Bachelor of Arts in Economics from the University of International Business and Economics in China.

Ada is the Head of North Asia Project & Infrastructure Finance (PIF) team, based in Hong Kong, managing the PIF team covering Mainland China and Hong Kong. She oversees the ratings of publicly and privately owned utilities, ports, rail transit, toll roads, Chinese local governments and local government financing vehicles (LGFV).

Ada has been with Moody's since 2014 and has extensive experience in infrastructure credit. She has served as the lead analyst for large scale central and local state-owned enterprises and is one of the original authors of Moody's Chinese LGFV methodology.

Before joining Moody's, Ada worked as a Vice President at Deutsche Bank, where she oversaw Greater China corporates and financial institutions. Ada has also worked at Barclays Capital, where she covered Chinese financial institutions and commodity companies.

Ada holds a BBA in Accounting & Finance from The University of Hong Kong. She is also a CFA Charterholder and a certified FRM holder.

Christian de Guzman is a Senior Vice President with Moody’s Sovereign and Sub-Sovereign Risk Group. Based in Singapore, he covers a portfolio of sovereigns and multilateral development banks in Asia Pacific, including Japan, India and a number of Southeast Asian credits, while also managing the team responsible for sub-sovereign ratings in Asia ex-China.

Christian joined Moody’s in 2009, after working as a Senior Economist for the Monetary Authority of Singapore, covering ASEAN economies. He has also held various positions with the Research Department at the International Monetary Fund in Washington DC, and Procter & Gamble in Singapore.

Christian was a Phi Beta Kappa graduate in Economics and Political Science at the University of Georgia and received his M.A. in International Economics and Southeast Asian Studies from the Johns Hopkins University School of Advanced International Studies.

Jacintha Poh is an Associate Managing Director for the Corporate Finance Group at Moody's, based in Singapore. She leads a team of analysts who are responsible for Moody's nonfinancial corporate ratings and research in the South and Southeast Asia region.

Jacintha joined Moody's in 2012 taking several Lead Analyst roles, where she demonstrated her ability to execute complex analyses across a diverse range of sectors, including real estate, hospitality, and investment holding companies.

Before joining Moody's, Jacintha worked for Lion Global Investors, where she served as a Credit Analyst on the Fixed Income team. Jacintha holds an honors BSc in Accounting and Finance from the University of London.

Ray Tay is a Associate Managing Director in Moody’s Project and Infrastructure Finance Group. Based in Singapore, Ray covers project finance, transport, utilities and other infrastructure credits in Southeast Asia and India. Ray also authors research and conducts outreach focused on topics such as project bonds and the role of funding diversity and credit enhancement in bridging the infrastructure gap, particularly in emerging markets. Ray is also a member of Moody’s APAC ESG Working Group.

Before joining Moody’s in 2012, Ray was a Director with the Global Infrastructure & Projects Group in KPMG. Ray has also worked as a Senior Business Analyst with the Singapore Power Group, focusing on regulatory economics in each of its principal local operating subsidiaries.

Ray holds a Bachelor’s in Economics with honors from the National University of Singapore.

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.