José Canals-Cerdá

José Canals-Cerdá was a faculty member in the Economics Department of the University of Colorado at Boulder prior to joining the Bank in 2006. After he joined the Bank, José’s unit set a goal to become the primary center of excellence on the analysis of consumer credit risk at the Federal Reserve System level. To meet this goal, he spends his time researching financial econometrics, credit risk management, supervision and regulation, and advances in quantitative methods in big data.

José's work reaches far beyond Philadelphia. He has led quantitative benchmark studies and contributed his expertise to a diverse array of System projects by developing systems, models, and databases. Specifically, José was the principal developer of the System methodology for stress testing of credit-card portfolios, where he led a group of fellow Ph.D. economists and analysts. Most recently, he collaborated with the Supervisory Research and Policy Forum and the Consumer Finance Institute to organize a biennial workshop on credit cards and payments.

José has a Ph.D. in economics from the University of Virginia and received a bachelor's degree in mathematics from the University of Valencia, Spain.