Credit Analyst - Moody's Local

Moody's Local; São Paulo; On-site; BRL 180,000 - 240,000; Full time

Job summary

Moody's Local Brazil is seeking a seasoned Credit Analyst to conduct quantitative assessments of financial documents and market data, focusing on rating analysis for a diverse portfolio in the banking and insurance sectors.

You will perform initial and ongoing credit analysis, present in rating committees, and develop the local franchise through strategic interactions with investors and issuers.

Qualifications

• 5+ years of experience with credit analysis, especially in banking and insurance.
• Proficient in Word, PowerPoint; Excel skills required.
• Strong analytical and modelling capabilities.
• Fluent in Portuguese and English.
• Able to lead priorities within deadlines and adapt to change.
• Interest in AI tools and responsible AI practices.

Responsibilities

• Conduct quantitative assessment of financial documents and market data and analyze bond indentures and financial statements.
• Perform initial and ongoing credit analysis on a portfolio of companies and transactions.
• Supervise portfolio and recommend rating transitions promptly.
• Present credits in rating committees with a clear rationale.
• Develop Moody's Local Brazil franchise through marketing and transparency initiatives.
• Lead issuer meetings and drive substantive dialogue on credit issues.

Skills

Credit analysis

Excel

Word/PowerPoint

Analytical modelling

Portuguese & English

Python

VBA

AI awareness

Education

Bachelor's degree (economics/accounting/engineering/business administration/statistics/actuarial science)

Tools

Microsoft Word

Microsoft PowerPoint

Microsoft Excel

Python

VBA

Job description

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.

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

• 5+ yearsof experience with credit analysis primarily, experience in thebanking industry andinsurance companies.
• Demonstrates knowledge of Word and PowerPoint; Microsoft Excel skills is required.
• Validated and well-developed analytical and modelling skills.
• Strong written and verbal communication capabilities in Portuguese and English.
• Ability to lead exciting priorities within deadlines.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
• Python programming & Visual Basic for Applications knowledge is a plus.
• Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be used to improve processes and drive efficiency. Interest in exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use.

Education

• Undergraduate/first-level degree (E.g. Bachelor’s degree) required, such as economics, accounting, engineering, business administration, statistics, actuarial science.

Responsibilities

• Conduct quantitative assessment of financial documents and economic/market data, as well as analysis of bond indentures, liquidity agreements, financial statements, and other legal documents.
• Conduct initial and ongoing credit analysis on a dedicated portfolio of companies and transactions.
• Actively supervise the portfolio and make recommendations for rating transitions in a timely fashion.
• Present credits efficiently and accurately in rating committees and other internal analytical meetings, formulate a coherent credit rationale and present this rationale in a persuasive fashion.
• Demonstrate credit rating judgment as evidenced by the ability to distinguish among entities and transactions at different credit ratings levels.
• Produce timely and relevant research on specific issuers, general credit trends, or sector related issues that is in-depth, high quality, informative and focused.
• Build and manage relationships with investors, advisors, and issuers.
• Develop Moody's Local Brazil franchise through intermediary marketing and transparency initiatives.
• Lead issuer meetings, including presenting key credit rating factors optimally and asking probing questions that result in substantive dialog about key credit issues.

About The Team

This role is part of Moody’s Local, offering the opportunity to contribute to high-quality credit analysis supporting financial institutions, insurance companies, and asset managers. You will work closely with experienced lead analysts, gaining exposure to multiple asset classes, methodologies, and rating processes. The team fosters a collaborative and supportive environment focused on professional growth, cross-training, and continuous learning within the financial services industry.

Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law.

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.