Analytics & Modeling Analyst (Structured Finance)

Moody's Investors Service; New York (NY); On-site; USD 109,000 - 158,000; Full time

Benefits offered by this job

Medical benefits

401(k) plan

Tuition reimbursement

Parental leave

Paid time off

Employee stock purchase plan

Job summary

Moody's Investors Service in New York seeks an Analytics & Modeling Analyst to support the Modeling & Quantitative Analytics Group in developing credit rating models and scorecards used in the rating and verification process.

You will review cash flow models, contribute to ad-hoc quantitative projects, and train teams on models, while collaborating with rating teams to ensure consistency; strong coding and fixed income expertise preferred.

Qualifications

• Experience designing, developing and implementing financial models in cash flow, credit risk, credit derivatives or structured finance.
• Expert level Excel and VBA skills; MS Office tools.
• Knowledge of Python, SQL, MATLAB or other programming languages is a plus.
• Ability to comprehend, interpret and analyze legal documents on complex financial structures.
• Understanding of fixed income; knowledge of structured finance is a plus.
• High attention to detail with strong organizational and analytical skills.
• Basic understanding of AI concepts and openness to responsible AI practices.

Responsibilities

• Review and monitor complex cash flow models using fixed income software.
• Assist with ad-hoc quantitative projects to update and improve the rating process.
• Contribute to training on models and scorecards for rating teams.
• Assist developers in creating models and scorecards.
• Act as a key contact to ensure consistency with rating models and scorecards.
• Develop knowledge of Credit Rating Models and Credit Rating Scorecards.
• Create user guides and provide user training on models and scorecards.

Skills

Cash flow modeling

Excel & VBA

Python/SQL/MATLAB

Legal document analysis

Fixed income knowledge

Attention to detail

AI awareness

Education

Bachelor's degree in Financial Engineering/Quant/Statistics

Master's degree is a plus

Tools

MATLAB

SQL

MS Office

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

• Experience designing, developing and implementing financial models, specific to cash flow, credit risk, credit derivatives or structured finance a strong plus
• Expert level skills in Excel and VBA, and other MS Office tools
• Knowledge of Python, SQL, MATLAB or other programming/scripting languages is a plus
• Ability to comprehend, interpret and analyze legal documents on complex financial structures
• Understanding of fixed income; knowledge of structured finance is a plus
• High attention to detail with excellent organizational and analytical skills and ability to handle multiple projects at one time
• 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

• Bachelor's degree in Financial Engineering, Mathematical Finance, Quant, Statistics or related field; Master's degree is a plus

Responsibilities

The Analytics & Modeling Analyst supports the Modeling & Quantitative Analytics Group by reviewing, monitoring, and contributing to the development of credit rating models and scorecards used in the rating and verification process.

• Review and monitor complex cash flow models using fixed income software
• Assist with ad-hoc quantitative projects to update and improve the rating process, including structured finance simulations, macroeconomic projects, and related initiatives
• Contribute to professional training of models and scorecards for rating teams and other analytical teams
• Assist developers in the creation of models and scorecards
• Act as a key point of contact to provide guidance to rating teams to ensure consistency with rating models and scorecards when appropriate
• Develop in-depth knowledge of Credit Rating Models and Credit Rating Scorecards
• Create user guides and provide user training on new and existing Credit Rating Models and Credit Rating Scorecards

About the Team

The successful candidate will join a growing CSS team that works to improve the quality and consistency of credit analysis and publish rating performance research. This is a great opportunity for someone with an interest in structured finance and experience in coding to join a team where you will become an expert on cash flow modeling of structured finance transactions.

For US-based roles only: the anticipated hiring base salary range for this position is$108,800.00-$157,700.00, 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 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 [e-mail]. 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.

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.