Understanding ratings
What is a credit rating?
Learn how our ratings and analysis speak to the relative credit risk of debt instruments and securities across industries and asset classes around the globe.
THE RATING PROCESS
Understand our rating process
THE RATING SCALE
Moody’s Ratings global long-term and short-term scales are forward-looking opinions of the relative credit risks of financial obligations
WHY MOODY'S RATINGs?
Debt capital markets access can be a powerful instrument. If you are looking to improve that access, our ratings may help.
Corporate Methodology Overview
This overview offers a high-level introduction to Moody’s Ratings use of sector-specific methodologies for assigning credit ratings to corporate issuers.
Integration of ESG Into Credit Risk
Four components to Moody’s Ratings integration of environmental, social and governance considerations into credit analysis
Products and services
OVERVIEW
Explore how Moody’s Ratings provides both credit ratings and Other Permissible Service products.
CREDIT RATING PRODUCTS
Public Credit Rating
Unpublished Monitored Loan Rating
Unpublished Monitored Private Placement Rating
Private Monitored Rating
Private Monitored Loan Rating
Private Monitored Private Placement Rating
Private Rating for Investors
Private Structured Finance Rating
OTHER PERMISSIBLE SERVICES
Rating Assessment Service
Indicative Rating
Bond Fund Assessment
Money Market Fund Assessment
Investment Manager Quality Assessment
Servicer Quality Assessment
Originator Assessment
Second Party Opinion
Trustee Quality Assessment
Equity Fund Assessment
Net Zero Asessment
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OVERVIEW
Learn more about us
Ratings & Research team
CUSTOMER COMMITMENT
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IssuerFocus™
A secure cloud-based platform connecting rated issuers with the ratings and research information they need whenever they want
ESG & CLIMATE RISK
Learn how Moody's Ratings is advancing global standards in Environmental, Social & Governance risk assessment
OUTLOOKS
Navigate the uncertainty and explore our forward-looking views on global credit conditions and trends across sectors, countries and regions
Emerging Markets
Bringing clarity to ever-shifting credit dynamics across emerging economics
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Moody's Investors Service provides investors with a comprehensive view of global debt markets through credit ratings and research. Learn how Moody's ratings and analysis speak to the relative credit risk of debt instruments and securities across industries and asset classes around the globe.
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RELATIONSHIP MANAGEMENT
Africa
Abdullah Hudhud
Associate Managing Director
Relationship Management
Dubai
+971.4237.9535
[email protected]
Alessandra Cetera
Vice President
Relationship Management
Dubai
+971.423.795.38
[email protected]
Faisal Hijazi
Vice President
Relationship Management
Dubai
+971.4237.9530
[email protected]
Isabella Burke
Vice President
Relationship Management
Johannesburg
+27.11.881.5544
[email protected]
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
[email protected]
Franck Ngouchamo
Senior Associate
Relationship Management
London
+44.207.772.1000
[email protected]
Relationship MANAGEMENT
Central & Eastern Europe
Piotr Janczak
Senior Vice President
Head of Relationship Management
Warsaw
+48.224.490.159
[email protected]
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
[email protected]
Igor Ovcacik
Vice President
Relationship Management
Prague
+420.602.298.787
[email protected]
Emilija Rozgiene
Assistant Vice President
Team Leader
Relationship Management
Vilnius
+370.687.138.88
[email protected]
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
[email protected]
RELATIONSHIP MANAGEMENT
France & Benelux
Tiphaine Chavent
Senior Vice President
Head of Relationship Management
Sub-Regional Head France Benelux
Paris
+33.1.53.30.10.66
[email protected]
Cecile Derouard
Senior Vice President
Relationship Management
Paris
+33.1.53.30.33.45
[email protected]
Chloe Miniere
Vice President
Relationship Management
Paris
+33.1.53.30.59.73
[email protected]
Pedro Villela
Vice President
Relationship Management
Paris
+33.153.305.975
[email protected]
Karen Moreland
Assistant Vice President
Relationship Management
London
+44.207.772.1825
[email protected]
Thanushan Jayakumar
Assistant Vice President
Relationship Management
Frankfurt
+49.698.679.02134
[email protected]
Radhika Patel
Manager
Relationship Management
London
+44.207.772.1960
[email protected]
Aurelija Valaityte
Senior Associate
Relationship Management
Vilnius
+370.647.161.78
[email protected]
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
[email protected]
Franck Ngouchamo
Senior Associate
Relationship Management
London
+44.207.772.1000
[email protected]
RELATIONSHIP MANAGEMENT
Germany, Austria
& Switzerland
Linus Silfverduk
Senior Vice President
Head of Relationship Management
Stockholm
+46.8.5179.1260
[email protected]
Julien Belle
Senior Vice President
Insurance, AM & Funds Specialist
Zurich
+41.043.547.1632
[email protected]
Andreas Roderburg
Vice President
Relationship Management
Frankfurt
+49.697.073.0709
[email protected]
Fabian Heidmann
Vice President
Relationship Management
Frankfurt
+49.697.073.0774
[email protected]
Ronald Wildmann
Vice President
Relationship Management
Zurich
+41.435.471.608
[email protected]
Oliver Sikora
Assistant Vice President
Relationship Management
Frankfurt
+49.69.7073.0872
[email protected]
Emilija Rozgiene
Assistant Vice President
Team Leader
Relationship Management
Vilnius
+370.687.138.88
[email protected]
Thanushan Jayakumar
Assistant Vice President
Relationship Management
Frankfurt
+49.698.679.02134
[email protected]
Tolga Turgut
Senior Associate
Relationship Management
London
+44.207.772.1080
[email protected]
Rasa Sutkute
Associate
Relationship Management
Vilnius
+370.521.729.52
[email protected]
RELATIONSHIP MANAGEMENT
Middle East
Abdullah Hudhud
Associate Managing Director
Relationship Management
Dubai
+971.4237.9535
[email protected]
Jihad Al-Toukhi
Senior Vice President
Relationship Management
Riyadh
+966.011.265.6759
[email protected]
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
[email protected]
Alessandra Cetera
Vice President
Relationship Management
Dubai
+971.423.795.38
[email protected]
Anna Burel
Vice President
Relationship Management
London
+44.207.772.5343
[email protected]
Faisal Hijazi
Vice President
Relationship Management
Dubai
+971.4237.9530
[email protected]
Tolga Turgut
Senior Associate
Relationship Management
London
+44.207.772.1080
[email protected]
Renata Mozuraite
Senior Associate
Relationship Management
Vilnius
+370.638.832.79
[email protected]
RELATIONSHIP MANAGEMENT
Nordics
Linus Silfverduk
Senior Vice President
Head of Relationship Management
Stockholm
+46.8.5179.1260
[email protected]
Stefan Karkamanis
Vice President
Relationship Management
Stockholm
+46.851.791.253
[email protected]
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
[email protected]
Rasa Sutkute
Associate
Relationship Management
Vilnius
+370.521.729.52
[email protected]
RELATIONSHIP MANAGEMENT
Russia & Commonwealth
of Independent States
Piotr Janczak
Senior Vice President
Head of Relationship Management
Warsaw
+48.224.490.159
[email protected]
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
[email protected]
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
[email protected]
Aurelija Valaityte
Senior Associate
Relationship Management
Vilnius
+370.647.161.78
[email protected]
RELATIONSHIP MANAGEMENT
Southern Europe
Francesco Soldi
Senior Vice President
Relationship Management
Milan
+39.02.9148.1149
[email protected]
Michelangelo Rovagnati
Vice President
Relationship Management
Milan
+39.02.9148.1137
[email protected]
Julian Garcia de Pablo
Vice President
Relationship Management
Madrid
+34.91.768.8219
[email protected]
Michele Agazzi
Manager
Relationship Management
Milan
+39.02.9148.1978
[email protected]
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
[email protected]
Jorge Peral
Senior Associate
Relationship Management
London
+44.203.314.2019
[email protected]
RELATIONSHIP MANAGEMENT
United Kingdom & Ireland
Benjamin Grout
Senior Vice President
Head of Relationship Management
London
+44.20.7772.5231
[email protected]
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
[email protected]
Anna Burel
Vice President
Relationship Management
London
+44.207.772.5343
[email protected]
Elisa Manfe
Vice President
Relationship Management
London
+44.207.772.5569
[email protected]
Oliver Sikora
Assistant Vice President
Relationship Management
Frankfurt
+49.69.7073.0872
[email protected]
Karen Moreland
Assistant Vice President
Relationship Management
London
+44.207.772.1825
[email protected]
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
[email protected]
Renata Mozuraite
Senior Associate
Relationship Management
Vilnius
+370.638.832.79
[email protected]
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
[email protected]
EMEA
Project &
Infrastructure Finance
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
[email protected]
EMEA
Structured Finance
Insha Pauwels
Associate Managing Director
Head of Relationship Management
London
+44.20.7772.1273
[email protected]
Maria Serrano
Senior Vice President
Head of Covered Bonds (EMEA)
Relationship Management
Madrid
+34.91.768.8232
[email protected]
Nikoletta Knapcsek
Assistant Vice President
Relationship Management
Milan
+39.029.148.1130
[email protected]
Nigel Green
Assistant Vice President
Relationship Management
London
+44.203.314.2295
[email protected]
Andrea Durante
Assistant Vice President
Relationship Management
Milan
+39.291.481.981
[email protected]
Thomas Lewis
Associate
Relationship Management
London
+44.207.772.1162
[email protected]
RELATIONSHIP MANAGEMENT
Intermediaries
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
[email protected]
Julien Belle
Senior Vice President
Insurance, AM & Funds Specialist
Zurich
+41.043.547.1632
[email protected]
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
[email protected]
RELATIONSHIP MANAGMENT
LBO Desk
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
[email protected]
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
[email protected]
Andreas Roderburg
Vice President
Relationship Management
Frankfurt
+49.697.073.0709
[email protected]
Igor Ovcacik
Vice President
Relationship Management
Prague
+420.602.298.787
[email protected]
Elisa Manfe
Vice President
Relationship Management
London
+44.207.772.5569
[email protected]
RELATIONSHIP MANAGEMENT
Rating Assessment Service
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
[email protected]
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
[email protected]
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
[email protected]
Andreas Roderburg
Vice President
Relationship Management
Frankfurt
+49.697.073.0709
[email protected]
Julian Garcia de Pablo
Vice President
Relationship Management
Madrid
+34.91.768.8219
[email protected]
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
[email protected]
RELATIONSHIP MANAGEMENT
Sustainable Finance
Alexis Michon
Associate Managing Director
Relationship Management
Paris
+33.153.305.970
[email protected]
Pierre Dumesnil
Senior Vice President
Relationship Management
Paris
+33.787.810.185
[email protected]
Heidi Albinsson
Vice President
Relationship Management
Stockholm
+46.851.791.261
[email protected]
RELATIONSHIP MANAGEMENT
Sovereigns and Supranationals
Ivonne Arold
Senior Vice President
Head of Global Sovereigns and Supranationals
Frankfurt
+49.697.073.0706
[email protected]
Chloe Miniere
Vice President
Global Coordinator Sovereigns and Supranationals
Paris
+33.1.53.30.59.73
[email protected]
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
[email protected]
Jorge Peral
Senior Associate
Relationship Management
London
+44.203.314.2019
[email protected]
Thomas Lewis
Associate
Relationship Management
London
+44.207.772.1162
[email protected]
AFRICA
CEE & cis
FRANCE & BENELUX
GERMANY, AUSTRIA & SWITZERLAND
MIDDLE EAST
NORDICS
RUSSIA & CIS
SOUTHERN EUROPE
UNITED KINGDOM & IRELAND
Emea Project & Infrastructure Finance
EMEA Structured FINANCE
INTERMEDIARIES
Leveraged buyout DESK
RATING ASSESSMENT SERVICE
Sustainable Finance
Sovereigns and Supranationals
