Changing State of the US Consumer
How will high inflation cut across various household demographics and the consumer visa-a-vis the auto sector?
Sustained high inflation, stoked further by Russia’s invasion of Ukraine, is weighing on consumers, threading the economy with new risks.
Join economists and analysts from Moody's Investors Service and Moody’s Analytics as we discuss our take on the latest slew of macroeconomic data, including the impacts along various demographics (e.g., age, race, and education), as well as look through our credit risk lens, this time focusing on the auto sector.
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SpeakersMarisa DiNatale Senior Director - Economic Research Moody's Analytics
Nicky Dang Associate Managing Director - US Consumer ABS Moody's Investors Service
Rebecca Karnovitz Vice President - Senior credit officer Credit Strategy & Research, Moody’s Investors Service.
Rene Lipsch VP-Sr Credit Officer Moody's Investors Service
Bernard Yaros jr Assistant Director - Economic Research Moody's Analytics
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Marisa DiNatale is a senior director at Moody’s Analytics, where she specializes in international modeling and forecasting, U.S. regional economics, and labor economics. Ms. DiNatale previously oversaw the firm’s U.S. subnational forecasting service, alternative macroeconomic scenario design at the regional level, model development and validation. Her consulting work has included an analysis of the national unemployment insurance system and its impact on state economies, “what if” analysis of the impact of natural disasters on state and national economies, and detailed forecasts of the New York City economy and the securities industry’s profitability. She regularly gives presentations to clients and business groups, and has been interviewed on Bloomberg Television, Fox Business News, and National Public Radio. Ms. DiNatale previously worked for the U.S. Bureau of Labor Statistics, where she wrote the monthly Employment Situation release and studied data from the Current Population Survey. During her tenure at the Labor Department, she won the Lawrence R. Klein Award for her research on the labor force experience of Generation X women and was a finalist for the Rosabeth Moss Kanter Award for Excellence in Work-Family Research. She received a master’s degree in applied economics from Johns Hopkins University and a bachelor’s degree in international relations from Boston University.
Jingjing (Nicky) Dang is an Associate Managing Director and head of the Consumer ABS New Ratings Americas team. In this role, she manages the teams that cover the auto, unsecured consumer loan, credit card student loan and other consumer related ABS sectors. She is also a senior editor of the ABS Spotlight. Nicky has previously led the auto and student loan rating team prior to taking her current position and worked on surveillance of various ABS and RMBS transactions since she joined Moody’s in February 2007 as an Associate Analyst. She holds a Master’s Degree in Economics from New York University and a BA in Economics from Beijing Technology and Business University. Nicky is also a CFA charterholder.
Rebecca Karnovitz is a Vice President-Senior Credit Officer at Moody’s Investors Service. At Moody’s she is a member of the Credit Strategy and Research team, which defines and develops the company’s macroeconomic views and provides strategic insights on emerging global risk trends and credit developments. Rebecca focuses mostly on developments in the US, and covers the impact of macro-economic trends and policy shifts on credit across sectors. Prior to her current role, Rebecca was an associate analyst in Moody’s Sovereign Risk Group.
Rebecca holds a dual master’s degree in International Affairs from Sciences Po’s Paris School of International Affairs and Columbia University’s School of International and Public Affairs. She also graduated from the University of Pennsylvania with a BA in International Relations.
Rene Lipsch is a Vice President – Senior Credit Officer at Moody’s Investors Service. He covers a portfolio of North American transportation and manufacturing companies.
Prior to joining Moody’s in 2013, Rene spent nine years in investment banking in London, in the Equity Capital Markets team at Credit Suisse and in the Corporate Finance team at Merrill Lynch.
Previously, he worked as a Dutch and international tax advisor with Loyens & Loeff in Rotterdam and Hong Kong. Rene holds a M.Sc. in Finance from London Business School and a M.Sc. in Economics from Erasmus University in Rotterdam
Bernard Yaros is an assistant director and economist at Moody’s Analytics focused primarily on federal fiscal policy. He is responsible for maintaining the Moody’s Analytics forecast models for federal government fiscal conditions and presidential elections, as well as providing real-time economic analysis on fiscal policy developments coming out of Capitol Hill. Besides fiscal policy, Bernard is the analyst for Puerto Rico. Bernard holds an MSc in international trade, finance and development from the Barcelona Graduate School of Economics and a BA in political economy from Williams College.