From Car Loans to Credit Cards: The Encompassing World of Securitization

In the latest episode of "Credit Matters," Shankar Ramakrishnan (Head of U.S. Credit & Market Engagement, Informa Global Markets) and Bruce Clark (Head of Rates Market Coverage, Informa Global Markets) speak with Navneet Agarwal (Global Head of Structured Finance, Moodys Ratings) about how securitization turns future cash flows from assets like auto loans, mortgages, credit cards, device payment plans, student loans, leases, cell towers, and royalties into tradable securities using true sale, pooling, and tranching. Agarwal explains why securitization provides liquidity, balance-sheet flexibility, and broader investor access, and how governance, standardization, and servicing frameworks support the market. They discuss lessons from First Brand’s default, ratings as measures of credit risk rather than market moves, macro impacts including inflation and consumer bifurcation, and growth areas like data centers, cat bonds, and emerging-market structures such as IFC pools. Agarwal also shares career advice and how AI may enhance rating agency work.Get in touch: For more information about how IGM's solutions can support your business, visit our website or contact us: https://informaconnect.com/igm/Follow us: Keep up to date with all the latest from IGM by following us on LinkedIn: https://www.linkedin.com/company/informa-global-markets