Structured Finance Intern

Moody's Investors Service; São Paulo; Híbrido; BRL 17 000 - 33 000; Tempo integral

Resumo da oferta

Moody's Local Brasil is offering a hands-on internship in São Paulo for students in finance‑related fields. This role focuses on transaction surveillance, ratings analysis, and applying Moody’s Local methodologies while developing practical modeling and research experience.

Fluency in Portuguese and English is required; Spanish preferred. Strong Excel and presentation skills are essential, with Python and VBA knowledge advantageous.

Qualificações

• Candidates must be enrolled in a relevant degree program and available to start January 2027.

Responsabilidades

• Supports transaction surveillance and ratings analysis through financial modeling, portfolio review, and research

Conhecimentos

Analytical skills

Portuguese & English

MS Excel/Word/PowerPoint

Python & VBA

AI concepts

Responsible AI

Formação académica

Pursuing degree in Business Administration, Economics, Engineering, Statistics, Accounting or related field

Expected graduation within 12 months

Starts January 2027

Ferramentas

Python

VBA

MS Excel

MS Word

PowerPoint

Descrição da oferta de emprego

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

• Well-developed analytical and modelling skills
• Strong written and verbal communication skills in Portuguese and English; Spanish preferred
• Advanced Microsoft Excel, Word and PowerPoint skills are mandatory
• Python programming and Visual Basic for Applications knowledge preferred
• 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 responsible AI practices, including risk management and ethical use

Education

• Students matriculating in a degree program in Business Administration, Economics, Engineering, Statistics, Accounting, or a related field
• Students expected to graduate within the next 12 months
• The programs starts in January 2027

Responsibilities

• Supports transaction surveillance and ratings analysis through financial modeling, portfolio review, and research
• Review performance of existing transactions and assist in preparing quarterly surveillance reports
• Analyze transaction documents to understand legal, operational, and counterparty risks
• Analyze characteristics of underlying portfolios and performance history
• Apply default and cash flow modeling in line with Moody’s Local rating methodologies
• Attend virtual and in-person meetings with originators, advisors, and transaction participants
• Assist in preparing rating committee materials
• Support timely and relevant research on issuers and sector-related topics
• Assist in rating methodology, model, and scorecard updates

About the Team

The Structured Finance team at Moody’s Local Brasil is responsible for assigning and monitoring credit ratings for structured finance transactions issued in the Brazilian market. These transactions span a broad range of instruments, including Fundos de Investimento em Direitos Creditórios, Certificados de Recebíveis Imobiliários, Certificados de Recebíveis do Agronegócio, and Fiagro, and cover asset classes such as auto loans, payroll‑deducted loans, consumer credit, trade receivables, credit card receivables, and mortgage loans, among others. The team also delivers high‑quality, insightful research that supports market participants and enhances transparency in the Brazilian structured finance market

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.