Director-Credit Analyst/ML

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. 

• At least 10 years of relevant work experience, primarily in financial entities
• Strong knowledge of financial entities and transactions, with a focus on banking
• Demonstrated analytical and financial modelling skills
• Proficiency in Microsoft Excel is mandatory; working knowledge of Microsoft Word and PowerPoint required
• Strong written and verbal communication skills in both Spanish and English
• Ability to lead competing priorities and deliver results within deadlines
• Ability to adapt to a changing environment and prioritize tasks accordingly
• 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

• Bachelor's degree or equivalent qualifications in economics, accounting, engineering, business administration, statistics, or actuarial science
• Graduate or second-level degree (e.g., MBA, Master's) is a plus
• Professional certifications such as CFA, FRM, CAIA, or CQF are a plus but not mandatory

• Conduct quantitative assessment of financial documents and economic and market data, as well as analysis of bond indentures, liquidity agreements, financial documents, and other legal documents and initial and ongoing credit analysis on a dedicated portfolio of financial entities and transactions
• Actively supervise the portfolio and make recommendations for rating transitions in a timely fashion
• 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
• Demonstrate credit rating judgment as evidenced by the ability to distinguish among entities and transactions at different credit rating levels
• Produce timely and relevant research on specific issuers, general credit trends, or sector-related issues that is in-depth, high quality, informative, and focused
• Build and manage relationships with investors, advisors, and issuer and develop the Moody's Local franchise through intermediary marketing and transparency initiatives
• Lead issuer meetings, including presenting key credit rating factors and asking probing questions that result in substantive dialogue about key credit issues
• Mentor and develop junior analysts, fostering a culture of analytical rigor and professional growth

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.