Solutions Specialist, Credit Risk Analytics

At Moody's, we unite the brightest minds to turn today’s risks into tomorrow’s opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are—with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody’s is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we’re advancing AI to move from insight to action—enabling 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.

• 7+ years of experience in credit risk modeling, including PD, LGD, EL, scorecards, hazard models, regression‑based models, and early warning signals
• Ability to explain, interpret, and defend model behavior for both executive and technical audiences
• Experience working with financial data inputs, model assumptions, and model validation concepts
• Excellent written and verbal communication skills, with the ability to translate complex technical concepts into clear business‑relevant messages
• Strong work ethic, intellectual curiosity, and ability to work independently under limited supervision
• Ability to operate effectively in a deadline‑driven, collaborative environment
• Skilled working with datasets; familiarity with SQL, R, and Python
• Willingness to travel up to 40%
• Familiarity with EDF X, Risk Calc, Credit Edge, Portfolio Analyzer, or internal model frameworks (preferred)
• Experience supporting origination, underwriting, portfolio monitoring, or early warning workflows in commercial, consumer, or middle‑market lending environments (preferred)
• Prior experience in model validation, model governance, or analytics support within a bank, regulator, consulting firm, or risk solutions provider (preferred)
• Experience delivering quantitative presentations, client workshops, or internal/external training sessions (preferred)
• Ability to influence stakeholders through technical ideas, workflow recommendations, or modeling insights (preferred)
• Familiarity with API‑based delivery of analytics and programmatic model consumption (preferred)

• Bachelor’s or Master’s degree in Finance, Economics, Mathematics/Statistics, Data Science, Risk Management, or related quantitative fields

This highly quantitative, client‑facing role serves as a subject matter expert across Moody’s risk modeling ecosystem, focusing on EDF X, public and private firm models, retail/consumer credit models, and analytic frameworks such as PD, LGD, EL, and Early Warning Systems. The specialist supports deeper model evaluation, POCs, and client engagement in partnership with Relationship Managers and Workflow Specialists.

• Deliver expert demonstrations across Moody’s commercial & consumer credit analytics suite, including EDF X, Risk Calc, Credit Edge, and retail credit models
• Lead customer‑facing meetings to clarify business objectives, modeling needs, data requirements, and workflow implications
• Drive technical evaluations by ensuring client understanding of model logic, methodology, and the credit decisioning value of Moody’s solutions
• Develop and refine supporting collateral that strengthens sales strategy and improves client comprehension
• Conduct in‑depth POCs, including model performance comparisons, dataset validation, and demonstrations of PD, LGD, and EL outputs
• Present executive‑level narratives and technical deep dives covering methodology, validation practices, risk signals, and early warning analytics
• Translate complex risk modeling concepts into practical explanations for both business and technical users
• Compare Moody’s models with competitor or internally built bank models, articulating strengths,…