Cristian deRitis is a senior director at Moody’s Analytics, where he leads a team of economic analysts and develops econometric models for a wide variety of clients. Cristian has a PhD in economics from Johns Hopkins University and is named on two US patents for credit modeling techniques. His regular analysis and commentary on consumer credit appear on Economy.com and in publications such as The Wall Street Journal and The New York Times. He has over 20 years of experiencing building consumer credit performance models and systems. Before joining the Moody’s Cristian worked for Fannie Mae.