Sandy Hota is a Director in the Financial Markets practice of PwC in Washington, DC. He has over 15 years of progressive experience in the securitization industry, advising first time securitization issuer clients, focusing on structured transaction execution, financial modelling, model validation, valuation, credit risk and loan valuation. Sandy has extensive experience leading teams on ABS transaction and valuation engagements. His clients include several Fortune100 companies in various sectors such as financial services, asset management, insurance, alternative investment management, issuers of consumer loans including several Market Place Lenders. Sandy holds an MBA in Finance and Information Systems from the Kogod School of Business at American University, Washington DC. He is a Certified Public Accountant in Virginia and Washington DC. Sandy is a member of the American Institute of Certified Public Accountants.