Scott Hoyt

Dr. Scott Hoyt is a Senior Director at Moody's Investors Service, Inc. He is responsible for the firm’s consumer forecasts and analysis.
Dr. Hoyt speaks at conferences, and oversees the production of the U.S.
economic forecast.
He has done custom modeling for credit and consumer sector clients.
His projects include estimating market size geographically for several large retail clients, analysis of spending by demographic groups and implications for the spending outlook, credit portfolio modeling, and delinquency and loss modeling.
His areas of expertise include consumer spending, retail sales and industry performance, consumer credit, household income, demographics, and other aspects of consumer behavior and its macroeconomic and industry implications.
Before joining the firm, Dr. Hoyt spent five years as an economist for J.C.
Penney, where he did extensive work supporting the company's strategic planning efforts, real estate research department, merchandise departments, and credit department.
He received his PhD and MA in economics from the University of Pennsylvania and his BA summa cum laude from Bates College.