Andy Chang, Executive Director, is a credit research analyst within the Global Fixed Income, Currency & Commodities (GFICC) team, based in Hong Kong. In this role, Andy explores credit opportunities and monitors credit migrations in China and Asian bond issuers. Previously, Andy worked for Fitch Ratings as a property analyst in the Asian corporate credit team. Prior to this, he started his career with Morgan Stanley as a credit trading desk analyst in Asian bonds. Andy has a Master of Financial Engineering from the University of Michigan.