Ratings Associate

Moody; São Paulo; On-site; BRL 90,000 - 130,000; Full time

Job summary

Moody's is seeking a Ratings Associate in São Paulo to join a global team. You will collaborate with Credit Rating Analysts to assess credit risk across industries, governments, and structured financings, and use AI-enabled tools to streamline analysis. Strong data skills and clear communication are essential in a fast-paced, innovative environment.

The role emphasizes rigor, integrity, and teamwork while supporting investor engagement and the preparation of research materials for global markets.

Qualifications

• Experience in finance, accounting, economic or credit research.
• Knowledge of macroeconomic principles and financial/statistical analysis.
• Proficiency in MS Excel, Word, and PowerPoint.
• Experience with data tools (Power BI, Tableau, KNIME, Alteryx) and Python/SQL is preferred.

Responsibilities

• Collaborate with Credit Rating Analysts to assign and monitor credit ratings.
• Utilize digital tools and AI to enhance analysis and efficiency.
• Analyze financial data and build financial models and forecasts.
• Prepare rating memos and participate in committee meetings.
• Monitor market developments and industry trends affecting credit quality.
• Support investor and issuer engagement and create presentations.

Skills

Finance research

Data analysis

Excel & Office

Python/SQL

Communication

Tools

Power BI

Tableau

KNIME

Alteryx

Python

SQL

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.

Skills and Competencies

Relevant work, internship, or academic experience in finance, accounting, economic or credit research, with strong knowledge of macroeconomic principles and financial/statistical analysis capabilities

Proficiency in MS Excel, Word, and PowerPoint, plus preferred experience with data tools (Power BI, Tableau, KNIME, Alteryx) and programming languages such as Python and SQL

Strong data analysis, interpretation, visualization, and storytelling skills, with the ability to extract insights from complex datasets and communicate findings clearly to diverse audiences

Excellent verbal, written, and interpersonal communication skills, combined with high emotional intelligence to manage complex dynamics, foster collaboration, and lead with empathy and self-awarenessStrong organizational skills, analytical thinking, attention to detail, and the ability to prioritize and perform effectively in fast-paced, innovative environments

Eagerness to learn and adopt emerging technologies in finance, including AI-driven tools, automation, and advanced analytics, with a proactive and adaptable team-oriented mindset

Demonstrates integrity, accountability, and transparency in all actions, with strong collaboration skills, plus advanced English proficiency required for effective global communication

• 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

Responsibilities

As a Ratings Associate, you will be part of a global team and you will collaborate closely with Credit Rating Analysts to assign and monitor credit ratings of companies in major global industries, governments and structured financings, playing a crucial role in assessing their credit risk and performance. You will participate in key stages of the credit rating process and contribute to the rigorous evaluation and assignment of credit ratings by participating in credit rating committee discussions. You will utilize advanced digital tools and AI technologies to streamline processes, improve efficiency, and enhance the quality of your data analysis. Ratings Associates are part of a dynamic team that makes a significant impact on the global capital markets.

• Support analysts in credit ratings, research activities, and market outreach initiativesUtilize digital tools and AI-driven solutions to enhance analysis, improve efficiency, and focus on high-value problem solving
• Analyze financial data and documents, and build financial models and forecasts
• Prepare rating committee memos and actively participate in rating committee meetings
• Draft and assist in publishing credit research reports
• Monitor market developments, news, and industry trends to assess credit quality
• Support investor and issuer engagement, including attending meetings and preparing presentations
• Continuously develop professional skills through training, hands-on experience, and learning about sustainability, cyber risk, private credit, and local financial markets

About the Team

The Ratings & Research Support (RRS) team at Moody's plays a critical role in ensuring the smooth operation of the ratings and research process and supporting various analytical departments. The Ratings Associate will work closely with Credit Rating Analysts to ensure that all tasks related to credit ratings, research, and market outreach are completed efficiently and effectively. This role is essential in maintaining the overall productivity and organization of the ratings process, and it supports the larger team by ensuring that all analytical needs are met promptly and accurately

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.