• Dean's Chair, Associate Professor of Economics, Finance and Real Estate, NUS, 2013 - 2015
• Associate Professor of Economics (Courtsey), School of Arts and Social Science, NUS, 2013 - Present
• Associate Professor of Finance, School of Business, NUS, 2012 - Present
• Associate Professor of Real Estate, School of Design and Environment, NUS, 2012 - Present
• Research Director, CAMRI, NUS, 2012 - Present
• Senior Financial Economist, Federal Reserve Bank of Chicago 2008 - 2012
• Financial Economist, Federal Reserve Bank of Chicago 2006 - 2008
• SVP, Credit Risk Management Executive, Bank of America 2004 - 2006
• VP, Financial Economist, Bank of America 2000 - 2004
• Senior Analyst, Health Products Research 1999 - 2000
   

• Research Associate, CBE, NUS 2012-Present
• Research Associate, IRES, NUS 2012-Present
• Research Associate, RMI, NUS 2012-Present
• Research Associate, CQF, NUS 2012-Present
• Visiting Associate Professor, Finance Department, Indian School of Business 2008-Present
• Consultant, World Bank-IFC 2008
• Adjunct Assistant Professor, Finance Department, DePaul University 2007
• Adjunct Assistant Professor, Finance Department, George Washington University 2005
• Instructor, Economics Department, University of Wisconsin - Milwaukee 1995 – 1998
  
• Consultant, Research Department, Bank of Uganda, Kampala, Uganda 1995
  
   

• NBER Household Finance Group/Sloan Foundation Research Grant, February 2013
• Best Paper Award, Red Rock Finance Conference, September 2012
• Excellence in Refereeing Award 2011/2012 – American Economic Review, June 2012
• Russell Sage Foundation Research Grant, November 2011
• Networks Financial Institute, Best Paper Award, January 2011
• TIAA-CREF Paul A. Samuelson Award, Certificate of Excellence, January 2011
• Terker Family Prizes in Investment Research Award, Wharton School of Business, January 2009
• Paolo Baffi Centre on Central Banking and Financial Regulation Award, May 2008
• Center for Financial Research Grant, Federal Deposit Insurance Corporation, April 2008
• Glucksman Institute Research Award, New York University, February 2008
• Consumer Financial Education and Research Award, TCAI, University of Arizona, October 2007 
• Center for Financial Research Grant, Federal Deposit Insurance Corporation, March 2006
• J Walter Elliot Award for Excellence in Macroeconomics - UWM 1995
  

• Financial Institutions: Relationship Lending, Asymmetric Information, Credit Scoring, Credit Cards, Pawn Lending, Pay Day Loans, Small Business Loans, Auto Loans, Cash for Clunkers, CAMELS, TALF, CRA
• Household Finance: Financial Education, Consumption, Savings, Tax Rebates, Minimum Wages, Unemployment
• Behavioral Economics: Learning, Social Capital, Cognitive Ability
• Law and Economics: Consumer Bankruptcy, Discrimination, Crime, State Exemption Laws
• Real Estate Finance: Securitization, Sub Prime Markets, Loan Modification, Home Equity, HAMP, Home-builders, Mortgage Refinancing
  

• Channel News Asia, Business Singapore, Wong Wiew Ying, MAS Reportedly in Discussions to Discontinue SIBOR, Video, February 18th, 2013
• CNBC Squawk Box, Lisa Oake, Rigging Currency Rates in Singapore, February 6th, 2013
• Channel NewsAsia, Thomas Cho, Regional banks see jump in merger and acquisition activities, Print Story, November 2nd, 2012
• Channel NewsAsia, Bridging Asia, Should Happiness be a National Target, Print Story, October 30th, 2012
• BBC, Asia Business Report, HSBC Apologizes Over Claims it Aided Money-Laundering, July 19th, 2012
• Channel NewsAsia, Kristie Neo, MAS looking into SIBOR setting process, July 18th, 2012
• BBC, Asia Business Report, JP Morgan Loss: Bank Risks 'Different in Asia', May 15, 2012

I have started a blog on household financial decision making called Smart Finance!. I intend to regularly have blog posts about my research and that of others as it related to consumer decision making.

Books

• Household Credit Usage: Personal Debt and Mortgages, (with Ambrose, B )
  Palgrave-MacMillan Publishing, October, 2007

Op Ed

• The Rise and Rise of Shoebox Units (with Deng, Y., and S. Tien Foo)
  Straits Times, September 12th, 2012

• Learning in the Credit Card Market (with Driscoll, J., X. Gabaix, and D. Laibson)
  American Economic Review, R&R 3rd round.
  La Crosse Tribune, Sepetember 20, 2007

• Predatory Lending and the Subprime Crisis (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
  Journal of Financial Economics, revise and resubmit
  Chicago Sun-Times, January 10, 2009 The New Republic, April 4, 2009

• Do Consumers Choose the Right Credit Contracts? (with Chomsisengphet, S., C. Liu, and N. Souleles)
  Review of Financial Studies, revise and resubmit

• Inconsistent Regulators: Evidence from Banking (with Lucca, D., A. Seru and F. Trebbi)
  Wall Streeet Journal, Jaunary 23, 2012 , American Banker, February 1, 2012 , New York Times, April 2, 2012 , ECB Speech, September 7, 2012

• How much did CRA impact bank lending standards? (with Benmelech, E., N. Bergman, A. Seru)
  Credit Slips, December 19,2012 , The Mint, December 23, 2012 , NBER Digest, May 2013

  Policy Intervention in Debt Renegotiation: Evidence from Home Affordability Modification Program (with Amromin, G., I. Ben-David, S. Chomsisengphet, T. Piskorski, and A. Seru)

  Business Week, August 31, 2012 , Wall Streeet Journal, September 5, 2012 , ProPublica, September 11, 2012 , CBS News, September 13, 2012 , MSN Money, September 17, 2012 , Chicago Tribune, September 20, 2012 , CBS News, September 20, 2012

  Do Lenders Steer Borrowers to High Risk Mortgage Products(with Evanoff, D)

• Relationship Lending: Evidence from the Consumer Credit Market (with Chomsisengphet, S., C. Liu, and N. Souleles)

• Why Do Banks Reward Their Customers to Use Their Credit Cards? (with Chakravorti, S. and A. Lunn)
  Wall Streeet Journal, December 28, 2010 , Time Magazine, December 29, 2010

• Timing to the Statement: Understanding Fluctuations in Consumer Credit Use (with Bubna, A., and M. Lipscomb)

• Why do Borrowers make Mortgage Refinancing Mistakes? (with Rosen, R and V. Yao)

• Spending Responses to State Sales Tax Holidays (with McGranahan, L)

• Cross-border shopping (with Chomsisengphet, S., Teck-Hua Ho, and W. Qian)

• Consumption and Debt Responses to Fiscal Policy Shocks in Singapore (with Qian, W)

• Systematic Mistakes of Borrowers in the Mortgage Markets (with Ben-David, Z. and and V. Yao)

• Labor Supply Decisions of Singaporean Cab Drivers

• The Choice Between Informed and Arm's Length Debt (with Hauswald, R)

• Authority and Information (with Hauswald, R)

• Do Loan Officers' Incentives Lead to Lax Lending Standards (with Ben-David, Z)

• Market Based Loan Mitigation Practices for Troubles Mortgages following the Mortgage Crisis (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
  The Washington Post, November 10, 2010

• The Politics of Mortgage Foreclosures (with Amromin, G., I. Ben-David, and S. Dinc)

• The Subprime Virus: Theory and Evidence (with Ambrose, B and Y. Yildirim)

• Do Second Liens Holdup First Lien Holders’ Modifications? (with Amromin, G., I. Ben-David, S. Chomsisengphet, and J. Zhang)

• Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance (with Amromin, G., I. Ben-David, S. Chomsisengphet, and D. Evanoff)
  Chicago Sun-Times, January 10, 2009, The New Republic, April 4, 2009

• Collateral Valuation and Institutional Pressures: Evidence from the Residential Real-Estate Market (with Ben-David, Z. and and V. Yao)

• The Hidden Perils: The Role of the Condominium Market in the Current Financial Crisis? (with Deng Y., X. Luo, and W. Qian)

• In Mood for a Loan: Causal effect of Sentiment of Credit Origination (with Duchin R., and D. Susuria)

• Housing Wealth and Consumption: Evidence from a Natural Expriment in Singapore (with Qian, W)