David Zhang is an Assistant Professor of Finance at the Jesse H. Jones Graduate School of Business at Rice University. His presentation is titled, "Algorithmic Underwriting in High Risk Mortgage Markets." 

Abstract: We study the effects of a policy that shifted from pure human underwriting to human-augmented algorithmic underwriting for low-credit-score, high-leverage mortgage borrowers. Estimating the bunching of loans around the policy's debt-to-income threshold, we find a large credit...

Nick Guest is an assistant professor of accounting at the Samuel Curtis Johnson Graduate School of Management at Cornell University.

Umang Khetan is a PhD student in Finance at the Tippie College of Business.

Meghan Esson is an Assistant Professor of Finance at the Tippie College of Business. Her presentation is titled, “Private Equity in Public-Provider Markets: Cost Efficiency vs. Cream-Skimming.” 

Abstract: We examine the cost-cutting strategies employed by private equity (PE) firms in markets where public firms also provide services. We use the ambulance industry as a laboratory as price and choice regulation limits other avenues of increasing profitability. We exploit the staggered acquisition...

Ela Seyedalikhani is a PhD student in Finance at the Tippie College of Business.