George Krivorotov
Senior Financial Economist
Retail Credit Risk Analysis Division
George Krivorotov is a senior financial economist in the Retail Credit Risk Analysis Division within Supervision Risk & Analysis of the Office of the Comptroller of the Currency (OCC).
His research interests include quantitative macroeconomics, banking & finance, real estate economics, and AI/ML. Before joining the OCC in 2017, Dr. Krivorotov worked for the Federal Reserve Bank of Minneapolis and Fannie Mae. He holds a doctorate in economics from the University of Minnesota and an undergraduate degree in mathematics from the University of Virginia.
George’s research can be found here.
- Krivorotov, George (2023). “Machine Learning-Based Profit Modeling for Credit Card Underwriting - Implications for Credit Risk,” Journal of Banking and Finance (forthcoming).
- Krivorotov, George (2022) “Sectoral Transition Risk in an Environmentally Augmented Production Network Model”
- Krivorotov, George and Michael Lacour-Little (2020). “AVM versus Appraisal-Based Underwriting in Refinance Mortgages: The Trade-off Between Noise and Bias”
- Krivorotov, George (2016). “The Rising Option Value of College and Trends in Time to Baccalaureate Degree.”
- Krivorotov, George (2016). “The Effect of Community College Tuition Subsidies on College Enrollment and Labor Market Outcomes."