George Krivorotov

Senior Financial Economist

George Krivorotov

Retail Credit Risk Analysis Division

(202) 649-8444

George Krivorotov is a senior financial economist in the Retail Credit Risk Analysis Division within the Economics department of the Office of the Comptroller of the Currency (OCC).

His research interests include machine learning, household finance, real estate economics, and quantitative macroeconomics. 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.

  1. Krivorotov, George (2020) Machine Learning-Based Profit Modeling for Credit Card Underwriting - Implications for Credit Risk.
  2. Krivorotov, George and Michael Lacour-Little (2020). “AVM versus Appraisal-Based Underwriting in Refinance Mortgages: The Trade-off Between Noise and Bias”
  3. Krivorotov, George (2016). “The Rising Option Value of College and Trends in Time to Baccalaureate Degree.”
  4. Krivorotov, George (2016). “The Effect of Community College Tuition Subsidies on College Enrollment and Labor Market Outcomes.”