AVP-Ratings (ABS)

Moody's Corporation; New York (NY); On-site; USD 162,000 - 234,000; Full time

Job summary

Moody's Corporation seeks top analysts to lead analysis of U.S. Consumer ABS transactions and produce publishable credit research. You will model cash flows, assess legal and credit risks, and present findings to rating committees to influence outcomes.

The team engages with issuers, investors, and industry experts, driving thought leadership and applying Generative AI to enhance efficiency and insight. A strong background in economics or finance is essential.

Qualifications

• Advanced degree or equivalent with seven+ years as a credit analyst (for bachelor’s option)
• Experience in credit analysis and risk assessment is essential.
• Familiarity with AI-enhanced analytics is a plus.

Responsibilities

• Lead analysis of new U.S. Consumer ABS transactions with publishable research.
• Act as lead analyst for new U.S. consumer ABS, modeling cash flows and analyzing risks.
• Lead rating committees and present analyses of legal and credit risks.
• Engage in market dialogue with arrangers, issuers, investors, and external lawyers.
• Contribute to thought leadership and use data analytics and Generative AI to improve processes.

Skills

Verbal & written comms

Cash flow modelling

Analytical tools

Ethical judgement

Independent opinions

Team collaboration

Multitasking under deadlines

AI concepts

AI risk management

Independent rating analysis

Education

Advanced master’s degree in economics, statistics, applied mathematics, financial engineering, or related quantitative field

Tools

N/A

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

• Excellent verbal and written communication and presentation skills
• Strong modelling skills with the ability to perform cash flow analysis using analytical tools, or willingness and ability to develop these skills
• Sound judgment and the highest ethical standards
• Ability to develop independent opinions and defend views clearly and succinctly
• Professional, proactive, collaborative, and responsive working style
• Highly organized and efficient, with the ability to multitask and meet tight deadlines
• Strong teamwork skills and the ability to work effectively with colleagues holding different viewpoints
• Ability to work independently without the need for close supervision
• Demonstrated proficiency in artificial intelligence concepts, with hands‑on experience using AI tools to streamline workflows and enhance operational efficiency.
• Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use.

Education

• Advanced master’s degree in economics, statistics, applied mathematics, financial engineering, or a related quantitative field with relevant work experience, or a bachelor’s degree in one of these fields with seven or more years of experience as a credit analyst

Responsibilities

• This role is responsible for leading the analysis of new U.S. Consumer ABS transactions, producing high‑quality, publishable research, and contributing to Moody’s thought leadership through rigorous credit analysis and innovative analytical approaches.
• Act as lead analyst for new U.S. consumer ABS transactions, analyzing transaction credit and legal risks, modeling cash flows, reviewing transaction and legal documents, and formulating rating recommendations and opinions
• Lead rating committees and present analysis of legal and credit risks, including the potential credit impact of transaction structures and documentation
• Conduct effective market dialogue around transaction credit analysis with arrangers, issuers, investors, and external legal experts
• Represent the team in operational reviews, issuer and investor meetings, and industry conferences and events
• Write clear, insightful, and publishable research, including transaction‑related reports, articles, and in‑depth reports on credit issues affecting the industry
• Undertake special projects to enhance thought leadership and operational efficiency, including digital enablement initiatives that apply data analytics and Generative Artificial Intelligence

About The Team

The U.S. Consumer ABS New Ratings Team within Moody’s structured finance department assigns new ratings to a broad range of securitizations backed by consumer assets, including auto loans and leases, credit cards, personal loans, student loans, solar loans and leases, and timeshare loans. The team produces timely, high‑quality research on emerging trends and events across these asset classes through sector and issuer commentary and in‑depth research reports, while actively engaging with market participants through investor and issuer meetings and industry conferences.

For US-based roles only: the anticipated hiring base salary range for this position is $161,500.00 - $234,250.00, 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 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.

For more information on the Securities Trading Program, please refer to the Securities Trading Policy on Moody’s Compliance Expo page

Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.