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

• At least 2+ years of experience in Structured Finance or 3-4 years in credit analysis in similar fields
• Validated and well-developed analytical and modelling skills are required
• Strong written and verbal communication capabilities in Portuguese and English are required. Some Spanish skills are preferred
• Advanced Microsoft Excel, Word and PowerPoint skills are required
• Python programming & Visual Basic for Applications knowledge are 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 exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use

Education

• Minimum bachelor’s degree (or equivalent) in economics, business administration, statistics, accounting, engineering or similar

Responsibilities

Conduct credit analysis and assign ratings for Brazilian Structured Finance transactions using Moody’s Local methodologies.

• Analyze transaction documents to understand transaction structure and legal, operational, and counterparty risks
• Analyze characteristics of underlying portfolio and performance history to derive loss assumptions
• Apply default and cash flow modeling in line with Moody’s Local rating methodologies
• Lead virtual and in-person meetings with originators, advisors and other transaction participants as part of the rating analysis process
• Present credits efficiently and accurately in rating committees and other internal analytical meetings, formulate a coherent credit rationale and present this rationale in a persuasive fashion
• Communicate rating rationales to investors and other market participants through rating reports, presentations and meetings
• Assist in producing timely and relevant research that is in-depth, high quality, informative and focused
• Assist in rating methodology, model and scorecard updates

About the team

Our team is responsible for assigning local scale ratings to Brazilian Structured Finance transactions and is instrumental in positioning Moody’s Local as the preferred rating agency in the domestic market. As an Associate Credit Analyst, you’ll join a dynamic group working on both new and existing deals across a broad range of asset classes—including auto loan securitizations, payroll-deducted loans, consumer loans, trade receivables, credit card receivables, and mortgage loans, among others.

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.