Speakers

Toms Zachariah is a Director in Barings’ Asset Backed Finance Group, where he serves as a credit research analyst covering a broad range of commercial and consumer ABS asset classes, including auto loans, student loans, timeshare, personal loans, and equipment leases. Prior to joining Barings in 2022, Toms was a Vice President and Senior Analyst at Moody’s Investors Service, covering consumer ABS. He also held roles at State Street Corporation and S&P Global, focusing on various consumer ABS sectors.

Toms is a CFA charterholder and holds an MBA from Cornell University. He also earned an MS in Engineering from SUNY Binghamton and a BE from Pune University in India.