Dimuthu Ratnadiwakara

PhD Student

Dimuthu Ratnadiwakara


I am a finance doctoral candidate at University of Houston. Prior to joining the PhD program, I worked in the finance industry for more than five years. I completed my bachelor's degree in computer science from University of Peradeniya and I am a CFA Charterholder.

My research interests include household finance, real estate, and economics of climate change. In my job market paper, I use two natural experiments and proprietary data to estimate the causal effect of collateral value on strategic default. My other research focuses on borrowers' default decision, behavioral biases in the housing market, and the socio-economic impact of climate change. My research has been accepted for presentation at conferences such as AEA (poster), MFA, FMA, and Australasian Finance and Banking Conference.

Curriculum Vitae

Job Market Paper

Research Interests

  • Corporate Finance
  • Household Finance
  • Real Estate
  • Economics of Climate Change

Working Papers