Sebastian Schranz is lead analyst in the ABS Consumer team of Moody’s in Frankfurt focusing on Auto loan ABS, Consumer loan ABS and RMBS. Since joining Moody’s in July 2010 he has been responsible for analysing and rating various new and existing ABS and RMBS transactions. Prior to Moody’s he spent 3 years as Structured Finance Analyst at ING in Germany. He holds a postgraduate degree in Finance from Universitaet Bayreuth and a Master of Science in Mathematics. He is a Charterholder of the Chartered Alternative Investment Association (CAIA).