Scott Hoyt is senior director for Moody’s Analytics, responsible for the firm’s consumer forecasts and analysis. Dr. Hoyt contributes to Economy.com, speaks at conferences, and oversees the production of the U.S. economic forecast. He has done custom modeling for credit and consumer sector clients. His projects include estimating market size geographically for several large retail clients, analysis of spending by demographic groups and implications for the spending outlook, credit portfolio modeling, and delinquency and loss modeling. His areas of expertise include consumer spending, retail sales and industry performance, consumer credit, household income, demographics, and other aspects of consumer behavior and its macroeconomic and industry implications.
David Fieldhouse is a Director in the Content, Economics and Structured Analytics Division of Moody’s Analytics. His responsibilities include developing and validating models of retail loan performance for financial institutions. He also provides regular analysis and commentary on consumer credit markets. David has a PhD from the University of Western Ontario