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Ray Choy is currently the Chief Economist at Malaysian Rating Corporation Berhad. Prior to this role, Ray has held various positions in the field of economics and research, including being the Adjunct Faculty at Monash University Malaysia and the Head of Economics & Research at Opus Asset Management Sdn Bhd. Ray's extensive experience also includes roles at CIMB, RHB Research Institute, AmInvestment Management, and other reputable organizations. Ray holds a Ph.D. from the University of Nottingham, a Master's Degree in Finance from SOAS University of London, and degrees in Politics & International Relations, Business & Finance, and Economics.