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

• 2–3 years of professional experience, preferably in the finance industry, with strong quantitative, problem-solving, and analytical skills
• Ability to comprehend and analyze complex financial structures and legal documents with high attention to detail
• Proficiency in Excel, VBA, and SQL; Python or other programming/scripting languages a plus
• Familiarity with structured finance cash flow models and asset classes such as SLABS, RMBS, CLOs, or CDOs is highly desirable
• Strong communication skills, ability to work both independently and collaboratively, and demonstrated initiative and enthusiasm
• Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be applied to structured finance, improve processes, and drive efficiency
• Willingness to explore responsible AI practices, including risk management and ethical use

Education

Master’s degree in Finance, Engineering, Computer Science, Statistics, Economics, Operations Research, or a related field.

(Bachelor’s degree with equivalent experience may also be considered.)

Responsibilities

As part of our analytics team, you will provide structured finance cash flow modeling, analytics, and data support to our clients. You’ll build, develop, and update complex cash flow models using our fixed income software (SFW, CDOEdge). You will focus on supporting our waterfall library—used within various ratings groups—which requires a strong understanding of models, data, and technology.

You will also contribute to the design and integration of new features, functions, and analytics within our products, provide data support to ensure accuracy and availability, and assist clients with their technology, modeling, and data needs. This role requires working within our enterprise team, supporting global clients with integrated solutions.

Key responsibilities include:

• Analyze and update structured finance cash flow models across multiple asset classes (CDO, CLO, SLABS, RMBS, etc.)
• Provide client support and ensure accuracy of data and deal libraries
• Collaborate with product development to design, test, and implement new features and analytics
• Develop understanding of credit aspects of structured finance transactions and assist with documentation and process improvements
• Explore opportunities to leverage AI/ML tools to enhance modeling, analytics, and operational efficiency

About the Team

Our analytics team brings together expertise in structured finance, technology, and data-driven problem solving to support global clients with innovative solutions. We work on building and maintaining complex cash flow models, ensuring data accuracy, and enhancing products with new features and analytics. Collaboration and client support are at the core of what we do, and we are continuously exploring how emerging technologies—such as AI—can be applied responsibly to improve processes and deliver greater value.

For US-based roles only: the anticipated hiring base salary range for this position is $93,600.00 - $135,750.00, 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 accommodations@moodys.com. 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.

Click here to view our full EEO policy statement. Click here for more information on your EEO rights under the law. Click here to view our Pay Transparency Nondiscrimination statement. Click here to view our Notice to New York City Applicants.
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.