AVP-Ratings; Consumer ABS Ratings Team

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.

• Excellent verbal and written communication and presentation skills
• Strong modelling skills with the ability to perform cash flow analysis using analytical tools, or willingness and ability to develop these skills
• Sound judgment and the highest ethical standards
• Ability to develop independent opinions and defend views clearly and succinctly
• Professional, proactive, collaborative, and responsive working style
• Highly organized and efficient, with the ability to multitask and meet tight deadlines
• Strong teamwork skills and the ability to work effectively with colleagues holding different viewpoints
• Ability to work independently without the need for close supervision
• 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.

• Advanced master’s degree in economics, statistics, applied mathematics, financial engineering, or a related quantitative field with relevant work experience, or a bachelor’s degree in one of these fields with seven or more years of experience as a credit analyst

• This role is responsible for leading the analysis of new U.S. Consumer ABS transactions, producing high-quality, publishable research, and contributing to Moody’s thought leadership through rigorous credit analysis and innovative analytical approaches.
• Act as lead analyst for new U.S. consumer ABS transactions, analyzing transaction credit and legal risks, modeling cash flows, reviewing transaction and legal documents, and formulating rating recommendations and opinions
• Lead rating committees and present analysis of legal and credit risks, including the potential credit impact of transaction structures and documentation
• Conduct effective market dialogue around transaction credit analysis with arrangers, issuers, investors, and external legal experts
• Represent the team in operational reviews, issuer and investor meetings, and industry conferences and events
• Write clear, insightful, and publishable research, including transaction-related reports, articles, and in-depth reports on credit issues affecting the industry
• Undertake special projects to enhance thought leadership and operational efficiency, including digital enablement initiatives that apply data analytics and Generative Artificial Intelligence

The U.S. Consumer ABS New Ratings Team within Moody’s structured finance department assigns new ratings to a broad range of securitizations backed by consumer assets, including auto loans and leases, credit cards, personal loans, student loans, solar loans and leases, and timeshare loans. The team produces timely, high-quality research on emerging trends and events across these asset classes through sector and issuer commentary and in-depth research reports, while actively engaging with market participants through investor and…