PROFESSIONAL EXPERIENCE
Federal Reserve Board of Governors
Principal Economist, October 2021-
Senior Economist, Sep 2017 – Sep 2021
Economist, Sep 2014 – Aug 2017

PAST POSITIONS
Founder of whisky company, AmberDram.com, now closed.
Summer Analyst, Morgan Stanley, 2007
Fixed Income Group Summer Analyst, Deloitte & Touche, 2005

EDUCATION
PhD Economics, Massachusetts Institute of Technology (2014)
Dissertation: Essays in Credit Markets and Development Economics
M.Phil Economics, Cambridge University (2009)
B.A. (Hons.) Economics, Cambridge University (2008)
Visiting Student Economics, Massachusetts Institute of Technology (2007)

RESEARCH INTERESTS
Financial intermediation, Development Economics

ACADEMIC PUBLICATIONS
Finance and Inequality: The Distributional Impacts of Bank Credit Rationing. (with Ali Choudhary), [link], October 2022, Journal of Financial Intermediation.
Corporate stress and bank nonperforming loans: Evidence from Pakistan [pdf] (with Ali Choudhary), December 2021, Journal of Banking and Finance
The Economics of Platforms in a Walrasian Framework [pdf] (with Robert Townsend), April 2021, Economic Theory.
How Public Information Affects Asymmetrically Informed Lenders: Evidence from a Credit Registry Reform [pdf] (with Ali Choudhary), March 2020, Journal of Development Economics.

POLICY-ORIENTATED PUBLICATIONS
Global spillovers of a Chinese Growth Slowdown with S. Ahmed, R. Correa, D. Dias, N. Gornermann, J. Hoek, Edith Liu, and A. Wong, December 2022, Journal of Risk and Financial Management. [PDF]

WORKING PAPERS
Financing Repeat Borrowers: Designing Credible Incentives for Today and Tomorrow, [pdf] with Piruz Saboury (University of Houston)
Credit access and relational contracts: An experiment testing informational and contractual frictions for Pakistani farmers, [pdf] with Ali Choudhary (State Bank of Pakistan)
Identifying the marginal borrower under adverse selection: A simple model, [pdf]
Bridging the divide: The interaction of informal and formal loans in village economies, with Robert Townsend (MIT) and Fan Wang (University of Houston)
Efficient Public Good Provision in Networks: Revising the Lindahl Solution

PROFESSIONAL ACTIVITIES
Invited Seminars and Conference Presentations: (* denotes presented by co-author)

2022: 8th relational contracting workshop (virtual), IFABs (Naples), Central Bank of Columbia (virtual), University of Houston
2021: AEA (virtual), WEAI (virtual), AFBC (virtual)
2020: MWIEDC (virtual)
2019: IFABS (Angers)
2018: Bank for International Settlements, IFABS (Santiago), Graduate Institute Geneva
2017: AEA (Chicago), MWIEDC (University of Wisconsin), IFABS (Oxford University)
2016: AEA day-ahead conference (San Francisco Federal Reserve), EFA (Oslo), FMA (Las Vegas), UVA Darden, IBEFA (Portland)
2015: IBEFA (San Francisco Federal Reserve), FIRS (Iceland), IIOC (Boston), Princeton University*, RES (Manchester University)
2014: Boston Federal Reserve*, Fuqua School of Business, Olin School of Business, Haas School of Business, Bank of England, Federal Reserve Board of Governors, University of Illinois at Urbana Champaign, Simon Fraser University
2013: NEUDC (Harvard Kennedy School)
2012: IPA Matchmaking Conference (Bangkok)

Referee for: American Economic Review, American Economic Journal: Applied Economics, Management Science, Journal of Development Economics, Economic Letters, World Development, Journal of Economic Inequality, Journal of Economic Behavior and Organization, Economic Bulletin.
Program Evaluator for: World Bank
Scientific Committee: IFABS (Angers), IFABS (Medellin)

SCHOLARSHIPS, HONORS, AND AWARDS
BIS Central Bank Research Fellow, 2018-2019
IPA Partnership Development Grant
CFSP Special Research Grant
Centre for International Studies Summer Grant
John F. Kennedy Memorial Scholarship
Cambridge University: Best student award in M.Phil Economics (Stevenson Prize)
Internal Graduate Scholarship, Trinity College
Cambridge University: Best student award in B.A. Economics (Adam Smith Prize)
Trinity College, Cambridge: Junior Scholar, Senior Scholar and Research Scholar
Trinity College, Cambridge: Most Distinguished student for final year of study (Ver Heyden de Lancey Prize)

TEACHING EXPERIENCE
Head Teaching Assistant for Professor Jonathon Gruber, Undergraduate Introductory Microeconomics, 14.01, MIT
Teaching Assistant for Professor Jonathon Gruber, Undergraduate Introductory Microeconomics, 14.01, MIT
Teaching Assistant for Professor David Autor, Undergraduate Intermediate Microeconomics, 14.03, MIT