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Unpublished Monitored Loan Rating
Unpublished Monitored Private Placement Rating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
Who we are
Commercial group
OVERVIEW
Engage with us
Relationship Management Team
TEAM CONTACTS
Contact Overview
North America
Latin America
Europe, Middle East and Africa
Asia Pacific
Ratings & Research
OVERVIEW
Learn more about us
Ratings & Research team
CUSTOMER COMMITMENT
Explore
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
Explore more
Podcasts
Infographics
Data Stories
Search
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.
Latest on Coronavirus
EN
ES
DE
FR
JA
KO
PT
ZH
Get in touch
Team Contacts
North America
Latin America
Europe, Middle East & Africa
Asia Pacific
NORTH AMERICA
LATIN AMERICA
EUROPE, MIDDLE EAST & AFRICA
ASIA PACIFIC
Get in touch
Asia Pacific
Select a Team
SELECT A TEAM:
RELATIONSHIP MANAGEMENT
Australia
Darren Muter
Senior Vice President
Head of Relationship Management
Sydney
+61.2.9270.8178
darren.muter@moodys.com
Timothy Armstrong
Vice President
Relationship Management
Sydney
+61.2.9270.8115
tim.armstrong@moodys.com
Harinder Gill
Vice President
Relationship Management
Sydney
+61.2.9270.8149
harinder.gill@moodys.com
Helen Grunwald
Assistant Vice President
Relationship Management
Sydney
+61.460.970.779
helen.grunwald@moodys.com
RELATIONSHIP MANAGEMENT
Northern China
Elaine Zhou
Senior Vice President
Head of Relationship Management
Shanghai
+86.21.2057.4019
elaine.zhou@moodys.com
Isabelle Cai
Vice President
Relationship Management
Beijing
+86.10.6319.6575
isabelle.cai@moodys.com
Jessica Yuan
Vice President
Relationship Management
Beijing
+86.10.6319.6574
jessica.yuan@moodys.com
Anna Qi
Assistant Vice President
Relationship Management
Beijing
+86.10.6319.6528
anna.qi@moodys.com
Cynthia Wang
Assistant Vice President
Relationship Management
Beijing
+86.10.6319.6500
cynthia.wang@moodys.com
Yingmei Wang
Senior Associate
Relationship Management
Beijing
+86.10.6319.6554
yingmei.wang@moodys.com
Cathy Hu
Senior Associate
Relationship Management
Beijing
+86.10.6319.6516
cathy.hu@moodys.com
Janine Wang
Associate
Relationship Management
Beijing
+86.138.105.09643
janine.wang@moodys.com
RELATIONSHIP MANAGEMENT
Central China
Elaine Zhou
Senior Vice President
Head of Relationship Management
Shanghai
+86.21.2057.4019
elaine.zhou@moodys.com
Solar Ji
Vice President
Relationship Management
Shanghai
+86.21.2057.4035
solar.ji@moodys.com
Peggy Tong
Vice President
Relationship Management
Shanghai
+86.21.2057.4084
peggy.tong@moodys.com
Jolin Zhu
Vice President
Relationship Management
Shanghai
+86.21.2057.4011
jolin.zhu@moodys.com
Sunny Sun
Senior Associate
Relationship Management
Shanghai
+86.21.2057.4086
sunny.sun@moodys.com
Yumiko Dai
Senior Associate
Relationship Management
Shanghai
+86.21.2057.4085
yumiko.dai@moodys.com
RELATIONSHIP MANAGEMENT
Southern China & Taiwan
Maria Lee
Managing Director
Head of Relationship Management
Hong Kong
+852.3758.1338
Maria.Lee@moodys.com
Alma Xu
Vice President
Relationship Management
Hong Kong
+852.3758.1324
alma.xu@moodys.com
Kenneth Tam
Vice President
Relationship Management
Hong Kong
+852.3758.1642
kenneth.tam@moodys.com
Chris Fan
Vice President
Relationship Management
Shenzhen
+86.10.6319.6591
zongqi.fan@moodys.com
Sandy Luo
Assistant Vice President
Relationship Management
Hong Kong
+852.3758.1624
sandy.luo@moodys.com
Cheryl Lam
Associate
Relationship Management
Hong Kong
+852.3758.1341
cheryl.lam@moodys.com
Shirley Leung
Associate
Relationship Management
Hong Kong
+852.3758.1342
shirley.leung@moodys.com
RELATIONSHIP MANAGEMENT
Japan
Naoki Shimizu
Associate Managing Director
Head of Relationship Management
Tokyo
+81.3.5408.4272
naoki.shimizu@moodys.com
Sayuri Demura
Vice President
Relationship Management
Tokyo
+81.3.5408.4221
sayuri.demura@moodys.com
Masataka Yumura
Assistant Vice President
Relationship Management
Tokyo
+81.90.1117.0976
masataka.yumura@moodys.com
Kenzo Masuzawa
Senior Associate
Relationship Management
Tokyo
+81.3.5408.4159
kenzo.masuzawa@moodys.com
RELATIONSHIP MANAGEMENT
Korea
Changho Moon
Representative Director
Head of Relationship Management
Seoul
+82.2.787.2267
changho.moon@moodys.com
Kook Young Kim
Vice President
Relationship Management
Seoul
+82.2.787.2273
kookyoung.kim@moodys.com
Tracy Choi
Assistant Vice President
Relationship Management
Seoul
+82.2.787.2274
tracy.choi@moodys.com
RELATIONSHIP MANAGEMENT
Mongolia
Changho Moon
Representative Director
Head of Relationship Management
Seoul
+82.2.787.2267
changho.moon@moodys.com
Kook Young Kim
Vice President
Relationship Management
Seoul
+82.2.787.2273
kookyoung.kim@moodys.com
Tracy Choi
Assistant Vice President
Relationship Management
Seoul
+82.2.787.2274
tracy.choi@moodys.com
RELATIONSHIP MANAGEMENT
New Zealand
Darren Muter
Senior Vice President
Head of Relationship Management
Sydney
+61.2.9270.8178
darren.muter@moodys.com
Timothy Armstrong
Vice President
Relationship Management
Sydney
+61.2.9270.8115
tim.armstrong@moodys.com
Harinder Gill
Vice President
Relationship Management
Sydney
+61.2.9270.8149
harinder.gill@moodys.com
Helen Grunwald
Assistant Vice President
Relationship Management
Sydney
+61.460.970.779
helen.grunwald@moodys.com
RELATIONSHIP MANAGEMENT
South Asia
Vineet Gupta
Vice President
Head of Relationship Management
Mumbai
+91.750.651.8224
vineet.gupta@moodys.com
Prabal Sharma
Assistant Vice President
Relationship Management
Mumbai
+91.750.643.3345
prabal.sharma@moodys.com
Rahul Deorukhkar
Manager
Relationship Management
Mumbai
+91.915.291.0567
rahul.deorukhkar@moodys.com
Patrick Soares
Senior Associate
Relationship Management
Mumbai
+91.865.792.0807
patrick.soares@moodys.com
Yogesh Nakwal
Associate
Relationship Management
Mumbai
+91.865.791.1626
yogesh.nakwal@moodys.com
Rama Chitnis
Associate
Relationship Management
Mumbai
+91.915.291.0681
rama.chitnis@moodys.com
Anthia Britto
Associate
Relationship Management
Mumbai
+91.915.291.0716
anthia.britto@moodys.com
RELATIONSHIP MANAGEMENT
Southeast Asia
James Flitton
Senior Vice President
Head of Relationship Management
Singapore
+65.6398.8338
james.flitton@moodys.com
Shirley Oh
Vice President
Relationship Management
Singapore
+65.6398.3715
shirley.oh@moodys.com
RuiRui Wei
Assistant Vice President
Relationship Management
Singapore
+65.6311.2640
ruirui.wei@moodys.com
Winston Leong
Assistant Vice President
Relationship Management
Singapore
+65.6311.2628
winston.lwm@moodys.com
RELATIONSHIP MANAGEMENT
Intermediaries
Elaine Zhou
Senior Vice President
Head of Relationship Management
Shanghai
+86.21.2057.4019
elaine.zhou@moodys.com
Chris Fan
Vice President
Relationship Management - China Intermediaries
Shenzhen
+86.10.6319.6591
zongqi.fan@moodys.com
Alma Xu
Vice President
Relationship Management - APAC Intermediaries
Hong Kong
+852.3758.1324
alma.xu@moodys.com
RELATIONSHIP MANAGEMENT
Sustainable Finance
Emily Hu
Senior Vice President
Relationship Management
Hong Kong
+852.375.816.54
yue.hu@moodys.com
Makiko Yamamoto
Vice President
Relationship Management
Tokyo
+81.3.5408.4147
makiko.yamamoto@moodys.com
Abbie Tang
Assistant Vice President
Relationship Management
Hong Kong
+852.375.816.54
abbie.tang@moodys.com
Zoe Cai
Assistant Vice President
Relationship Management
Singapore
+65.6311.2688
zoe.cai@moodys.com
RELATIONSHIP MANAGEMENT
Sovereigns and Supranationals
Ivonne Arold
Senior Vice President
Head of Global Sovereigns and Supranationals
Frankfurt
+49.697.073.0706
ivonne.arold@moodys.com
Chloe Miniere
Vice President
Global Coordinator Sovereigns and Supranationals
Paris
+33.1.53.30.59.73
chloe.miniere@moodys.com
Jorge Peral
Senior Associate
Relationship Management
London
+44.203.314.2019
jorge.peral@moodys.com
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
lukas.paliulis@moodys.com
Thomas Lewis
Associate
Relationship Management
London
+44.207.772.1162
thomas.lewis@moodys.com
AUSTRALIA
NORTHERN CHINA
CENTRAL CHINA
SOUTHERN CHINA & TAIWAN
JAPAN
KOREA
MonGOLIA
NEW ZEALAND
SOUTH ASIA
SOUTHEAST ASIA
INTERMEDIARIES
Sustainable Finance
Sovereigns and Supranationals
