Begin! Analyst > VP-Senior Analyst

Position: Let's begin! Analyst > VP-Senior Analyst
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.

Skills and Competencies

* Excellent verbal and written communication and presentation skills

* Strong modelling skills and ability to perform cash flow analysis using analytical tools, or willingness and ability to develop these skills

* Demonstrate a growth and innovative mindset and is an outside-the-box thinker

* Sound judgment and highest ethical standards

* Capable of developing independent opinions and defending own views clearly and succinctly

* Professional, proactive, collaborative, responsive

* Highly organized and efficient, with the ability to multitask and meet tight deadlines

* Strong teamwork skills, works well with colleagues holding different viewpoints

* Ability to work on one's own initiative, without the need for close supervision

* Knowledge of and work experience in ABS is preferred

* Familiarity with data analytics and GenAI, and the capacity to apply these skills for insightful problem-solving is preferred.

Education

* Advanced degree in economics, statistics, applied mathematics, financial engineering or related quantitative field with relevant work experience.  Alternatively, bachelor's degree in economics, statistics, applied mathematics, financial engineering or related quantitative field with at least ten years of experience as a credit analyst. Open to reviewing candidates with fewer years of experience with relevant skills for the role

* Master's degree is highly desirable

Responsibilities

As a VP-Senior Analyst, you have an opportunity to join the U.S. Consumer ABS new ratings team. The individual will develop strong cross-industry knowledge through hands-on credit analysis, methodology training, and collaborative engagement with new ratings and surveillance teams.

The individual will be primarily responsible for analyzing the portfolio, structural, legal, and other credit aspects of new U.S. Consumer ABS structured finance transactions and producing publishable research. The candidate will be expected to lead rating committees and offer their analysis of the legal and credit risk of the transactions, potential credit impact of the terms of the transaction documents and conduct appropriate market dialogue around transaction credit analysis.

The individual is also expected to undertake special projects designed to enhance Moody's thought leadership in credit markets and improve operational efficiency, including digital enablement initiatives that apply data analytics and generative artificial intelligence (GenAI) to deliver innovative solutions.

* Act as lead analyst for new U.S. Consumer ABS transactions. Analyze transaction credit and legal risks, model cash flows and review legal documents to formulate rating recommendations and opinions

* Communicate effectively with customers, including arrangers, issuers, investors, and outside legal experts

* Represent the team in operational reviews, issuer and investor meetings, and industry events

* Write publishable research, including transaction-related reports, articles and in-depth reports on credit issues affecting the industry

About the Team

Moody's U.S. Consumer ABS New Ratings Team in the structured finance department is…