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.
Sovereign Methodology Overview
This overview offers a high-level introduction to Moody’s analytical approach for assigning credit ratings to sovereign issuers, walking through key parts of the general framework as detailed in our methodology, "Rating Methodology: Sovereign" dated 22 November 2022.
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Unpublished Monitored Loan Rating
Unpublished Monitored Private Placement Rating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
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
OUTLOOKS
Navigate the uncertainty and explore our forward-looking views on global credit conditions and trends across sectors, countries and regions
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
Europe, Middle East & Africa
Select a Team
SELECT A TEAM:
RELATIONSHIP MANAGEMENT
Africa
Abdullah Hudhud
Associate Managing Director
Relationship Management
Dubai
+971.4237.9535
abdullah.hudhud@moodys.com
Alessandra Cetera
Vice President
Relationship Management
Dubai
+971.423.795.38
alessandra.cetera@moodys.com
Faisal Hijazi
Vice President
Relationship Management
Dubai
+971.4237.9530
faisal.hijazi@moodys.com
Isabella Burke
Vice President
Relationship Management
Johannesburg
+27.11.881.5544
isabella.burke@moodys.com
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
greta.liachoviciute@moodys.com
Franck Ngouchamo
Senior Associate
Relationship Management
London
+44.207.772.1000
franck.ngouchamo@moodys.com
Relationship MANAGEMENT
Central & Eastern Europe
Piotr Janczak
Senior Vice President
Head of Relationship Management
Warsaw
+48.224.490.159
piotr.janczak@moodys.com
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
burak.cerrahoglu@moodys.com
Igor Ovcacik
Vice President
Relationship Management
Prague
+420.602.298.787
igor.ovcacik@moodys.com
Emilija Rozgiene
Assistant Vice President
Team Leader
Relationship Management
Vilnius
+370.687.138.88
emilija.rozgiene@moodys.com
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
cynthia.Illanes@moodys.com
Aurelija Valaityte
Senior Associate
Relationship Management
Vilnius
+370.647.161.78
aurelija.valaityte@moodys.com
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
tiphaine.chavent@moodys.com
Cecile Derouard
Senior Vice President
Relationship Management
Paris
+33.1.53.30.33.45
cecile.derouard@moodys.com
Chloe Miniere
Vice President
Relationship Management
Paris
+33.1.53.30.59.73
chloe.miniere@moodys.com
Thanushan Jayakumar
Vice President
Relationship Management
Frankfurt
+49.698.679.02134
thanushan.jayakumar@moodys.com
Pedro Villela
Vice President
Relationship Management
Paris
+33.153.305.975
pedro.villela@moodys.com
Karen Moreland
Assistant Vice President
Relationship Management
London
+44.207.772.1825
karen.moreland@moodys.com
Radhika Patel
Manager
Relationship Management
London
+44.207.772.1960
radhika.patel@moodys.com
Aurelija Valaityte
Senior Associate
Relationship Management
Vilnius
+370.647.161.78
aurelija.valaityte@moodys.com
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
lukas.paliulis@moodys.com
Franck Ngouchamo
Senior Associate
Relationship Management
London
+44.207.772.1000
franck.ngouchamo@moodys.com
RELATIONSHIP MANAGEMENT
Germany, Austria
& Switzerland
Linus Silfverduk
Associate Managing Director
Head of Relationship Management
Stockholm
+46.8.5179.1260
linus.silfverduk@moodys.com
Julien Belle
Senior Vice President
Insurance, AM & Funds Specialist
Zurich
+41.043.547.1632
julien.belle@moodys.com
Andreas Roderburg
Vice President
Relationship Management
Frankfurt
+49.697.073.0709
andreas.roderburg@moodys.com
Fabian Heidmann
Vice President
Relationship Management
Frankfurt
+49.697.073.0774
fabian.heidmann@moodys.com
Thanushan Jayakumar
Vice President
Relationship Management
Frankfurt
+49.698.679.02134
thanushan.jayakumar@moodys.com
Ronald Wildmann
Vice President
Relationship Management
Zurich
+41.435.471.608
ronald.wildmann@moodys.com
Oliver Sikora
Assistant Vice President
Relationship Management
Frankfurt
+49.69.7073.0872
oliver.sikora@moodys.com
Rasa Sutkute
Associate
Relationship Management
Vilnius
+370.521.729.52
rasa.sutkute@moodys.com
RELATIONSHIP MANAGEMENT
Middle East
Abdullah Hudhud
Associate Managing Director
Relationship Management
Dubai
+971.4237.9535
abdullah.hudhud@moodys.com
Jihad Al-Toukhi
Senior Vice President
Relationship Management
Riyadh
+966.011.265.6759
jihad.altoukhi@moodys.com
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
burak.cerrahoglu@moodys.com
Alessandra Cetera
Vice President
Relationship Management
Dubai
+971.423.795.38
alessandra.cetera@moodys.com
Anna Burel
Vice President
Relationship Management
London
+44.207.772.5343
anna.burel@moodys.com
Faisal Hijazi
Vice President
Relationship Management
Dubai
+971.4237.9530
faisal.hijazi@moodys.com
Renata Mozuraite
Senior Associate
Relationship Management
Vilnius
+370.638.832.79
renata.mozuraite@moodys.com
RELATIONSHIP MANAGEMENT
Nordics
Linus Silfverduk
Associate Managing Director
Head of Relationship Management
Stockholm
+46.8.5179.1260
linus.silfverduk@moodys.com
Stefan Karkamanis
Vice President
Relationship Management
Stockholm
+46.851.791.253
stefan.karkamanis@moodys.com
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
cynthia.Illanes@moodys.com
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
lukas.paliulis@moodys.com
RELATIONSHIP MANAGEMENT
Russia & Commonwealth
of Independent States
Piotr Janczak
Senior Vice President
Head of Relationship Management
Warsaw
+48.224.490.159
piotr.janczak@moodys.com
Burak Cerrahoglu
Vice President
Relationship Management
London
+44.20.7772.5579
burak.cerrahoglu@moodys.com
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
cynthia.Illanes@moodys.com
Aurelija Valaityte
Senior Associate
Relationship Management
Vilnius
+370.647.161.78
aurelija.valaityte@moodys.com
RELATIONSHIP MANAGEMENT
Southern Europe
Francesco Soldi
Senior Vice President
Relationship Management
Milan
+39.02.9148.1149
francesco.soldi@moodys.com
Michelangelo Rovagnati
Vice President
Relationship Management
Milan
+39.02.9148.1137
michelangelo.rovagnati@moodys.com
Julian Garcia de Pablo
Vice President
Relationship Management
Madrid
+34.91.768.8219
julian.garcia@moodys.com
Michele Agazzi
Manager
Relationship Management
Milan
+39.02.9148.1978
michele.agazzi@moodys.com
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
greta.liachoviciute@moodys.com
Jorge Peral
Senior Associate
Relationship Management
London
+44.203.314.2019
jorge.peral@moodys.com
RELATIONSHIP MANAGEMENT
United Kingdom & Ireland
Benjamin Grout
Senior Vice President
Head of Relationship Management
London
+44.20.7772.5231
benjamin.grout@moodys.com
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
debbie.palmer@moodys.com
Anna Burel
Vice President
Relationship Management
London
+44.207.772.5343
anna.burel@moodys.com
Elisa Manfe
Vice President
Relationship Management
London
+44.207.772.5569
elisa.manfe@moodys.com
Oliver Sikora
Assistant Vice President
Relationship Management
Frankfurt
+49.69.7073.0872
oliver.sikora@moodys.com
Karen Moreland
Assistant Vice President
Relationship Management
London
+44.207.772.1825
karen.moreland@moodys.com
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
lukas.paliulis@moodys.com
Renata Mozuraite
Senior Associate
Relationship Management
Vilnius
+370.638.832.79
renata.mozuraite@moodys.com
Greta Liachoviciute
Senior Associate
Relationship Management
Vilnus
+44.207.772.1274
greta.liachoviciute@moodys.com
EMEA
Project &
Infrastructure Finance
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
simon.daws@moodys.com
EMEA
Structured Finance
Insha Pauwels
Associate Managing Director
Head of Relationship Management
London
+44.20.7772.1273
insha.pauwels@moodys.com
Maria Serrano
Senior Vice President
Head of Covered Bonds (EMEA)
Relationship Management
Madrid
+34.91.768.8232
maria.serrano@moodys.com
Andrea Durante
Vice President
Relationship Management
Milan
+39.291.481.981
andrea.durante@moodys.com
Emilija Rozgiene
Assistant Vice President
Team Leader
Relationship Management
Vilnius
+370.687.138.88
emilija.rozgiene@moodys.com
Nikoletta Knapcsek
Assistant Vice President
Relationship Management
Milan
+39.029.148.1130
nikoletta.knapcsek@moodys.com
Lukas Paliulis
Senior Associate
Relationship Management
Vilnius
+370.521.726.26
lukas.paliulis@moodys.com
Rasa Sutkute
Associate
Relationship Management
Vilnius
+370.521.729.52
rasa.sutkute@moodys.com
Thomas Lewis
Associate
Relationship Management
London
+44.207.772.1162
thomas.lewis@moodys.com
RELATIONSHIP MANAGEMENT
Intermediaries
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
ian.dimmock@moodys.com
Julien Belle
Senior Vice President
Insurance, AM & Funds Specialist
Zurich
+41.043.547.1632
julien.belle@moodys.com
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
simon.daws@moodys.com
Jose Gallardo
Vice President
Relationship Management
London
+44.207.772.1279
jose.gallardo@moodys.com
RELATIONSHIP MANAGMENT
LBO Desk
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
ian.dimmock@moodys.com
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
debbie.palmer@moodys.com
Elisa Manfe
Vice President
Relationship Management
London
+44.207.772.5569
elisa.manfe@moodys.com
Stefan Karkamanis
Vice President
Relationship Management
Stockholm
+46.851.791.253
stefan.karkamanis@moodys.com
Pedro Villela
Vice President
Relationship Management
Paris
+33.153.305.975
pedro.villela@moodys.com
Jose Gallardo
Vice President
Relationship Management
London
+44.207.772.1279
jose.gallardo@moodys.com
RELATIONSHIP MANAGEMENT
Rating Assessment Service
Ian Dimmock
Senior Vice President
EMEA Loan Specialist
LBO Desk Coordinator / EMEA RAS Coordinator
London
+44.20.7772.5630
ian.dimmock@moodys.com
Simon Daws
Vice President
EMEA Project & Infrastructure Finance Specialist
London
+44.20.7772.5228
simon.daws@moodys.com
Debbie Palmer
Vice President
Relationship Management
London
+44.20.7772.1387
debbie.palmer@moodys.com
Andreas Roderburg
Vice President
Relationship Management
Frankfurt
+49.697.073.0709
andreas.roderburg@moodys.com
Julian Garcia de Pablo
Vice President
Relationship Management
Madrid
+34.91.768.8219
julian.garcia@moodys.com
Cynthia Illanes
Assistant Vice President
Relationship Management
Stockholm
+46.851.791.286
cynthia.Illanes@moodys.com
RELATIONSHIP MANAGEMENT
Sustainable Finance
Alexis Michon
Associate Managing Director
Relationship Management
Paris
+33.153.305.970
Alexis.Michon@moodys.com
Pierre Dumesnil
Senior Vice President
Relationship Management
Paris
+33.787.810.185
Pierre.Dumesnil@moodys.com
Heidi Albinsson
Vice President
Relationship Management
Stockholm
+46.851.791.261
Heidi.Albinsson@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
Thomas Lewis
Associate
Relationship Management
London
+44.207.772.1162
thomas.lewis@moodys.com
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
