Let's begin! Sr Credit Associate

At Moodys we unite the brightest minds to turn todays risks into tomorrows opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they arewith the freedom to exchange ideas think innovatively and listen to each other and customers in meaningful ways. Moodys is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment were advancing AI to move from insight to actionenabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity helping our clients navigate uncertainty with clarity speed and confidence.

If you are excited about this opportunity but do not meet every single requirement please apply! You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship lead with curiosity champion diverse perspectives turn inputs into actions and uphold trust through integrity.

• Hands-on experience with programming languages such as MATLAB SQL R and/or Python with a solid understanding of computer programming including design implementation compilation and unit testing
• Strong quantitative and problem-solving skills with a high degree of attention to detail and ability to manage own workflow prioritize tasks and meet deadlines independently
• Experience in financial analysis and credit risk with working knowledge of data engineering data pipelines and Object-Oriented Programming concepts preferred
• Knowledge and experience in data visualization tools and techniques desired; familiarity with Git workflow is a plus
• Excellent interpersonal and communication skills in English both spoken and written with the ability to function effectively both as a team player and independently in a support capacity
• Demonstrated proficiency in artificial intelligence concepts with hands-on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use

• Postgraduate degree in Engineering Financial Engineering Econometrics Economics Statistics Finance Physics or Mathematics required; 3 years of relevant work experience preferred
• PhD degree or demonstrated experience authoring published research is helpful

Provide analytical statistical research and logistical support to the Default & Ratings Analytics team contributing to ratings performance research regulatory reporting and data-driven insights that advance credit quality globally.

• Collect process clean and verify structured and unstructured data related to defaults and impairments to support ratings performance research
• Utilize statistical and programming tools to query and manipulate large datasets and conduct in-depth quantitative analysis
• Compile statistical data packets and prepare data-oriented reports and presentations for rating methodology reviews and ratings performance assessments
• Support senior analysts in the drafting visualization and publication of default research reports for internal and external audiences
• Assist with ad-hoc quantitative projects and respond to internal and external data requests in a timely and accurate manner
• Participate in business transformation initiatives including the adoption and responsible use of artificial intelligence tools to improve analytical processes and drive efficiency

Our Default & Ratings Analytics team publishes sector- and region-specific research on Moodys ratings performance and emerging credit trends while also producing critical regulatory reports and delivering statistics that help rating teams improve credit quality globally. The team operates within the Credit Strategy and Standards group which promotes rating quality consistency and transparency across Moodys Investors Service credit analysis worldwide. By joining our team you will contribute to high-impact analytical work that sits at the intersection of credit research quantitative analytics and innovation including the integration of AI-enabled capabilities that are shaping the future of ratings intelligence at Moodys.

Moodys is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex national origin disability protected veteran status sexual orientation gender expression gender identity or any other characteristic protected by law.

Candidates for Moodys Corporation may be asked to disclose securities holdings pursuant to Moodys Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy including remediation of positions in those holdings as necessary.

For more information on the Securities Trading Program please refer to the Securities Trading Policy on Moodys Compliance Expo page

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employees tenure with Moodys.