Lloyd is a Research Analyst at ETM Analytics covering G10, Latin America, and South Africa. He has four years full-time professional experience in market research, specialising in macroeconomics, fixed income, and foreign exchange markets. This follows on from his experience as a Management Consultant at a top tier firm in South Africa, at which he spent two years. Lloyd holds a Bachelor of Commerce Honours degree in Economics from the University of Pretoria in South Africa, as well as an Advanced Certificate in Emerging Market and Country Risk Analysis from Fordham University in New York. His market commentary has been featured in industry publications such as Bloomberg, Reuters, and CNBC Africa.