Balvinder is a Principal at EY and leads EY’s Quantitative Advisory Services (QAS) practice. He is the risk lead for EY's CECL related services. He has provided advisory services to numerous clients relating to the use of loan loss reserve, stress-testing, economic capital allocation, and credit risk models. He has assisted several large global banks develop implementation plans and methodology for loan loss models under the new IFRS9 and CECL standards that impose new estimation requirements over the life of the asset. Balvinder has published numerous articles in industry publications including RMA Journal and also wrote a chapter in a recent book, Credit Risk Modeling: Design and Applications. He holds a PhD and MA in Economics from Brown University and a BBA from the Loyola University of Chicago.