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Dr. Xinlei Zhao is Deputy Director of the Commercial Credit Risk Analysis Division within Supervision Risk and Analysis of the Office of the Comptroller of the Currency (OCC).
Dr. Zhao helps to manage division financial economists who advise bankers, policy makers, and OCC senior management on quantitative modeling and analysis issues in consumer and commercial credit risk modeling. Prior to joining the OCC in 2009, she was an assistant professor and then associate professor of finance (with tenure) at Kent State University. Dr. Zhao's current research includes credit risk modeling, asset pricing, and corporate finance. She holds a doctorate in finance from the University of Toronto and an undergraduate degree from the Zhejiang University in China.
Dr. Zhao’s research papers can be found here.