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 Substantial credit and risk assessment experience gained within a credit rating agency, financial institution, asset management firm, or equivalent environment. Deep knowledge of credit analysis with an extensive understanding of financial markets, Structured Finance, and consumer ABS credit. Strong quantitative, analytical, and modeling skills, including the ability to perform cash flow analysis using analytical tools or the willingness to further develop these skills. Proven ability to conceptualize, plan, and execute complex analytical, strategic, and operational initiatives within a team or across the broader organization. Excellent verbal, written, and presentation skills with the ability to clearly communicate complex credit analysis to internal and external stakeholders. Demonstrated leadership and people development capabilities, including mentoring, coaching, and training analysts at various levels. High level of integrity, sound judgment, strong organizational skills, and the ability to manage multiple priorities while meeting tight deadlines. 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. Education Master’s degree in economics, finance, statistics, applied mathematics, financial engineering, or a related field with relevant professional experience, or a bachelor’s degree in a related field with ten or more years of experience in a credit-focused role. Responsibilities This senior role oversees the surveillance, analysis, and monitoring of U.S. Consumer ABS transactions while providing leadership, mentorship, and strategic direction to the team. Chair rating committees and deal reviews, providing oversight and direction on credit analysis and surveillance decisions. Independently lead and supervise complex analytical initiatives, process improvements, and efficiency enhancement projects. Drive initiatives to strengthen rating and research quality, standards, depth, and timeliness across the team. Identify, manage, and actively contribute to methodological, process, and operational enhancement efforts, ensuring projects are properly supported and delivered on track. Mentor, develop, and train junior analysts to produce high-quality analytics, research, and market outreach in an efficient manner. Support recruitment efforts and contribute to building and maintaining a strong, collaborative, and inclusive team culture. Communicate effectively with internal and external stakeholders, including issuers, arrangers, investors, servicers, and other market participants. Maintain a strong understanding of industry and market trends affecting credit and represent the organization in internal and external ABS-related forums. Contribute to thought leadership by identifying research ideas and publishing high-quality research articles and in-depth reports on credit issues. Ensure that policies, procedures, and best practices are consistently followed across the team. About the Team The U.S. Consumer ABS Surveillance Team within the Structured Finance group is responsible for monitoring ratings on a wide range of securitizations backed by consumer assets, including auto loans and leases, student loans, unsecured consumer loans, and timeshare loans. The team produces timely, high-quality research on emerging trends, engages regularly with issuers and investors, participates in industry conferences, and contributes to market dialogue through in-depth research and sector commentary. For US-based roles only: the anticipated hiring base salary range for this position is $198,300.00 - $287,550.00, 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 accommodations@moodys.com. 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.