Nick Hill is a Managing Director and heads the Credit Strategy & Guidance function within the Credit Strategy & Standards division in Moody’s Ratings. 

Based in Paris, he joined Moody’s in March 2010, initially heading the France / BeNeLux banking team. 

Since then he has managed successively larger teams, led the global revision of Moody’s bank rating methodology, which was published in 2015, and latterly was co-head of the global banking team. 

Prior to joining Moody’s, Nick worked as a bank analyst in a variety of roles. These include banking supervision at the Bank of England and Financial Services Authority, where he began his career; sell-side equity research on French banks in a #1 ranked team at Morgan Stanley; rating UK and continental European banks at Standard & Poor’s; and providing balance sheet advice to financial institutions with RBS. 

A graduate of Christ’s College, University of Cambridge in the UK, Nick holds an MA in English, a diploma in French, and a postgraduate certificate in Finance from Birkbeck College, University of London.   

Sarah has been the lead analyst for most countries in the European Union, and is also a former lead analyst for the United States. She is currently the lead analyst for France and Italy, among other European countries. She is also one of the Sovereign Risk Group’s global spokespeople. 

She joined Moody’s in 2009 after completing a Sloan Fellowship at the London Business School. Prior to this academic sabbatical, she spent seven years at the Financial Services Authority in London where she headed the regulator’s Risk Analysis area and acted as its chief macroeconomist. Before joining the FSA, she worked in Dun & Bradstreet’s Economic Analysis Group for six years, where she was the organisation’s Deputy Chief Economist. 

She holds an MA in European Studies (with a concentration in Economics and Finance) from the Elliott School of International Affairs at the George Washington University in Washington, DC and an AB with a double major in Government and History from Dartmouth College in Hanover, New Hampshire in the United States. She is a CFA Charterholder and is co-chair of the Macroeconomic Committee of the CFA Society France. She is a dual citizen of the United Kingdom and the United States and is based in Paris.

Céline Chérubin is a senior credit officer in the EMEA Infrastructure Finance Group, based in Paris. She has responsibility for a portfolio of unregulated utilities in France, Belgium, Italy and the Czech Republic as well as water and waste management companies in France.

Céline has considerable experience of assessing utilities and infrastructure in Europe, with an in-depth knowledge of business models, strategies and stakeholders. She has a particular focus on the French market but also benefits from experience of a broad range of other jurisdictions.

Moody’s has a leading global Infrastructure Finance franchise, rating some US$2.8trillion of corporate and project finance securities. Our team of 148 analytical staff covers more than 2,700 public and private sector infrastructure issuers globally. Moody’s EMEA team of 48 infrastructure specialists is responsible for rating around 330 issuers with approximately US$756 billion in debt outstanding. Moody’s Investors Service covers a total of more than 35,000 issuers and structured finance transactions worldwide, representing more than US$73 trillion in rated debt.

Before joining Moody’s in April 2019, Céline worked for Infravia, a French infrastructure investment company, where she was responsible for investor relations and the fundraising of the fourth infrastructure fund. Prior to this, she had an extended career as a sell side equity analyst covering European utilities for more than 12 years. She has also taught classes in accounting, P&L diagnostics and cashflow analysis for the Société Française des Analystes Financiers.

Céline holds a degree in business administration (DESCAFF) from the Bordeaux Business School. She is fluent in English and French.

Vice President -Senior Analyst, Financial Institutions Group, based in Paris. Roland is the sector lead for the French banking system, and covers a portfolio of banks in France and Benelux. Roland joined Moody’s in 2008, and has covered banks in multiple banking systems including France, the UK, Ireland, Belgium, the Netherlands, Israel and Norway. He has also been the sector lead for non-bank financial companies across Europe. Roland was involved in the global effort leading to the current global methodology on banks, which includes the introduction of the Loss Given Failure framework -a response to the shift in public policy toward implementation of resolution regimes. Roland started his career at HSBC.

Raj Joshi is a Senior Vice President on the Corporate Finance Team. He is the lead analyst responsible for a portfolio of enterprise software, hardware and technology-enabled services companies. Raj has covered a portfolio of technology and business services companies since 2010. From 2005 to 2010, he was part of the Telecommunications and Media team. Before joining Moody’s in 2005, Raj was an International Banker at Union Bank of California (now part of Mitsubishi UFJ Financial Group).

Raj has an MBA from Syracuse University and a Bachelor of Science from the University of Mumbai. Raj is a CFA charterholder and a member of the CFA Institute and the New York Society of Security Analysts, Inc.

Vincent Gusdorf is an Associate Managing Director in the DeFi and Digital Assets team (DFDA), leading Moody’s blockchain technology research. Before joining the DFDA team, Vincent worked for the Innovation and Data Science team, managing several machine learning projects and defining the innovation roadmap. 

Vincent worked as a credit analyst for 16 years and covered investment grade and high-yield corporates. He also contributed to developing Moody’s cyber risk expertise in Europe. Before joining Moody’s, Vincent worked at Standard & Poor’s, Exane BNP Paribas, and Ernst and Young. 

Vincent is a CFA charter holder and holds a Master of Finance from Sciences Po Paris and a Master of Law from Université Paris II Panthéon-Assas. He is a self-trained programmer and developed his blockchain and machine learning expertise by completing multiple online data science and cloud certifications. Vincent is also a Certified ScrumMaster and a PMI Agile Certified Practitioner (PMI-ACP).

Areeb Haq is an AVP-Analyst on the TMT team within US CFG where he covers leveraged finance issuers in the software, diversified tech and tech-enabled services sectors. Areeb has been with Moody’s for over 5 years. Prior to joining the TMT team in early 2023, Areeb covered issuers throughout the consumer products, services, manufacturing, and healthcare industries as a Ratings Associate.

 Areeb holds a BBA from Baruch College and is a Chartered Financial Analyst.

Anne-Sophie Spirito is Vice President – Senior Credit Officer in the Structured Finance Group at Moody’s Ratings. Anne-Sophie is lead analyst for several covered bond programmes with a focus on France, Belgium and The Netherlands and also covered the Italian covered bond market. 

Prior to joining the covered bonds group, she was involved in the surveillance of European Residential Mortgage Backed Securities and Asset Backed Securities transactions with various underlying collateral such as consumer loans and SME loans. Anne-Sophie joined Moody’s in 2003 and was initially focusing on the rating of Asset Backed Commercial Paper programmes for sponsors located in Europe. 

Anne-Sophie is co-chair of Moody’s France Women Business Resource Group. Anne-Sophie holds the ESG Investing Certificate from the CFA Institute and studied finance and economics at the Ecole Supérieure de Commerce de Rouen where she graduated in June 2002.

Marie Fischer-Sabatié is a Senior Vice President in the Corporate Finance Group (CFG) team based in Paris. Marie has lead responsibility for a portfolio of European pharmaceutical companies and food retailers.

During her tenure at Moody’s, Marie has covered a number of sectors, including Consumer Packaged Goods, Shipping, Business Services across Europe, when she was based in Paris between 2001 and 2016, and Telecom and Mining in Latin America, when she was based in Mexico City between 2016 and 2020.

Prior to joining Moody’s in 2001, Marie worked at Santander in Chile and Crédit Lyonnais in New York. She is a graduate of ESCP (Ecole Supérieure de Commerce de Paris).