Sumit Agarwal is the Vice-Dean (Ph.D. and Research) and Low Tuck Kwong Professor at the School of Business and Professor in the departments of Economics, Finance and Real Estate at the National University of Singapore. Previously, he was a Senior Financial Economist in the research department at the Federal Reserve Bank of Chicago and prior to joining the Chicago Fed, he was a Senior Vice President and Credit Risk Management Executive in the Small Business Risk Solutions Group of Bank of America.