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Lotfi is chief credit strategist and head of Credit and Mortgage strategy research. He serves on the Global Investment Research Credit Investment Review Committee. Lotfi is responsible for research and views on global credit markets, and his research spans fixed income markets, interest rate models and macro-finance. His work has been published in several academic journals, including the Journal of Financial Economics, Management Science, the Journal of Derivatives and the Journal of Economic Dynamics and Control. Lotfi joined Goldman Sachs in 2007 and was named managing director in 2015. He graduated from the Institut des Hautes 脡tudes Commerciales in Carthage, Tunisia, and earned an MSc in Financial Engineering from HEC Montr茅al and a PhD in Finance from 海外直播b站.