{"id":8,"date":"2020-08-02T20:45:08","date_gmt":"2020-08-02T20:45:08","guid":{"rendered":"http:\/\/yesseniatellez.com\/?page_id=8"},"modified":"2025-11-19T23:53:59","modified_gmt":"2025-11-19T23:53:59","slug":"about-me","status":"publish","type":"page","link":"https:\/\/yesseniatellez.com\/en\/","title":{"rendered":"About me"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div class=\"wp-block-image is-style-rounded\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/yesseniatellez.com\/wp-content\/uploads\/2020\/09\/YesseniaTellez.jpeg\" alt=\"Yessenia Tellez\" class=\"wp-image-384\" title=\"YesseniaTellez\" srcset=\"https:\/\/yesseniatellez.com\/wp-content\/uploads\/2020\/09\/YesseniaTellez.jpeg 400w, https:\/\/yesseniatellez.com\/wp-content\/uploads\/2020\/09\/YesseniaTellez-300x300.jpeg 300w, https:\/\/yesseniatellez.com\/wp-content\/uploads\/2020\/09\/YesseniaTellez-150x150.jpeg 150w, https:\/\/yesseniatellez.com\/wp-content\/uploads\/2020\/09\/YesseniaTellez-88x88.jpeg 88w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><figcaption class=\"wp-element-caption\">Assistant Professor of Finance <br>Pamplin College of Business<br>Virginia Tech<\/figcaption><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-social-links aligncenter is-layout-flex wp-block-social-links-is-layout-flex\">\n\n\n\n\n\n<li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/yessenia-tellez-6243966\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n\n\n\n\n<li class=\"wp-social-link wp-social-link-mail  wp-block-social-link\"><a href=\"mailto:yesseniatellez@vt.edu\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19,5H5c-1.1,0-2,.9-2,2v10c0,1.1.9,2,2,2h14c1.1,0,2-.9,2-2V7c0-1.1-.9-2-2-2zm.5,12c0,.3-.2.5-.5.5H5c-.3,0-.5-.2-.5-.5V9.8l7.5,5.6,7.5-5.6V17zm0-9.1L12,13.6,4.5,7.9V7c0-.3.2-.5.5-.5h14c.3,0,.5.2.5.5v.9z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Mail<\/span><\/a><\/li>\n\n\n\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Welcome! I am an Assistant Professor of Finance&nbsp;at <a href=\"https:\/\/finance.pamplin.vt.edu\/\">Virginia Tech Pamplin College of Business.<\/a> <\/p>\n\n\n\n<p>My research lies at the intersection of household finance, empirical corporate finance, and financial intermediation. I study how financial distress, credit frictions, and limited attention shape real economic behavior within households, firms, and banks.<\/p>\n\n\n\n<p>My work documents how families adjust their consumption and shopping behavior during financial strain, how debt relief and housing security influence marital stability, and how credit supply responds to market shocks\u2014particularly in the growing online banking sector. I also examine how loan officers\u2019 behavioral traits and attention constraints affect monitoring quality and loan outcomes. Across these projects, I use rich micro-level datasets, natural experiments, and behavioral measures to uncover how frictions in financial markets translate into meaningful consequences for economic well-being.<\/p>\n\n\n\n<p>I hold a PhD in Finance from Rice University, an MA in Economics from Duke University, and a BA in Economics from the Central American University in Nicaragua.<\/p>\n\n\n\n<p>Outside of academia, I have worked in commercial and investment banking in Latin America, where my primary responsibilities included investment portfolio and liquidity management.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome! I am an Assistant Professor of Finance&nbsp;at Virginia Tech Pamplin College of Business. My research lies at the intersection of household finance, empirical corporate finance, and financial intermediation. I study how financial distress, credit frictions, and limited attention shape real economic behavior within households, firms, and banks. My work documents how families adjust their [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":158,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-8","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Yessenia Tellez<\/title>\n<meta name=\"description\" content=\"I am an Assistant Professor of Finance at Virginia Tech Pamplin College of Business. 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