Credit Analyst - Moody's Local

PassFort; São Paulo; On-site; BRL 180,000 - 240,000; Full time

Job summary

Moody’s Local in Sao Paulo seeks an experienced Credit Analyst to conduct quantitative assessment of financial documents, perform credit analysis on a dedicated portfolio, and supervise ratings decisions. The role requires strong analytical skills, Excel proficiency, and fluency in Portuguese and English.

You will present credits in rating committees, develop the local franchise, and engage with investors and issuers to discuss key credit factors. Innovative mindset and integrity are essential.

Qualifications

• Undergraduate/first-level degree in economics, accounting, engineering, business administration, statistics, actuarial science.
• 5+ years of experience with credit analysis in banking or insurance sectors.
• Strong written and verbal communication in Portuguese and English.

Responsibilities

• Conduct quantitative assessment of financial documents and market data.
• Perform initial/ongoing credit analysis on a portfolio of companies and transactions.
• Supervise portfolio and recommend rating transitions in a timely fashion.
• Present credits in rating committees with a clear, persuasive rationale.
• Develop Moody’s Local Brazil franchise through marketing and transparency initiatives.
• Lead issuer meetings and drive substantive dialogue on key credit issues.

Skills

Credit analysis

Analytical modelling

Excel

Portuguese/English communication

Python

PowerPoint

AI concepts awareness

Adaptability

Education

Bachelor’s degree in economics/related field

Tools

Word

PowerPoint

Excel

Job description

Credit Analyst - Moody's Local

Sao Paulo, Brazil

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

• 5+ years of experience with credit analysis primarily, experience in the banking industry and insurance 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.