Associate Lead Analyst 1

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

• Working knowledge of Structured Finance, with demonstrated credit risk analysis experience
• Highly proficient analysis (quantitative, qualitative) and modeling using Excel
• Excellent communication (verbal, written) and presentation skills
• Ability to collaborate closely with others as well as independently to produce accurate, detailed work in a dynamic, fast-paced environment
• Prioritize and handle multiple projects and tasks with a high degree of accuracy and timely delivery
• Familiarity with data analytics and GenAI, and the capacity to apply these skills for insightful problem-solving is preferred.

Education

• Bachelor’s degree (or higher) in finance, economics, financial engineering or related field; and 2+ years of relevant work experience

Responsibilities

The Structured Finance Group (SFG) within Moody’s Ratings is hiring an Associate Lead Analyst 1 in New York City. Moody's Structured Finance Group offers an outstanding opportunity to explore career opportunities, mentorship, and long-term growth that best suits you, by deep-diving into research and analysis. As an Associate Lead Analyst 1, you have an opportunity to join as a lead analyst on the consumer asset-backed securities (ABS) new ratings team, responsible for assigning new ratings on securitizations backed by auto loans/leases, unsecured consumer loans, student loans and other similar asset classes. 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 underlying asset portfolio, transaction structure, legal documents, deal-level financial modeling to formulate and substantiate independent credit opinions and other credit aspects of new structured finance transactions across multiple asset classes and producing publishable research.
• The individual is also expected to undertake special projects intended to enhance Moody's thought leadership in credit markets and operational efficiencies, including digital enablement projects where data analytics and general artificial intelligence (GenAI) are applied to deliver innovative solutions.
• The candidate will be expected to lead rating committees and offer their analysis of the credit risk of the transactions, potential credit impact of the terms of the transaction documents and communicate effectively with customers, including arrangers, issuers, investors, and outside legal experts, conducting appropriate market dialogue around transaction credit analysis.

About The Team

Structured Finance Group (SFG), Consumer ABS New Ratings. The team is responsible for assigning new ratings to a wide variety of asset-backed securitizations backed by consumer obligors. The team produces timely and high-quality research on developing trends and events in these asset classes through sector and issuer comments and in-depth research reports, and also participates in industry conferences and conducts investor/issuer meetings.

For US-based roles only: the anticipated hiring base salary range for this position is $116,500.00 - $168,850.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody’s also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement.

Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody’s also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email [email protected]. This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications.

For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance.

This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act.

Click here to view our full EEO policy statement. Click here for more information on your EEO rights under the law. Click here to view our Pay Transparency Nondiscrimination statement. Click here to view our Notice to New York City Applicants.

Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody’s 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 STP Quick Reference guide on ComplianceNet

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.