VP-Ratings (US Insurance)

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

• Strong financial analysis skills with the ability to assess both quantitative and qualitative credit factors within the P&C insurance sector
• Deep knowledge of U.S. property and casualty insurance, reinsurance, and brokerage markets, including reserving practices, capital models, and enterprise risk management
• Excellent written communication skills with the ability to produce clear, concise, and thought‑provoking credit research and opinions
• Strong verbal communication and presentation skills, with confidence interacting with senior executives, investors, and internal stakeholders
• Proven ability to manage multiple priorities and deliver timely outputs in a dynamic, fast‑paced environment
• Relationship management skills with experience engaging C‑suite executives and market participants
• Leadership capability with a track record of mentoring and developing junior team members
• Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency.

Education

• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• MBA in Finance, CPA, or actuarial designation (ACAS or FCAS) preferred
• Approximately 8–10 years of relevant credit analysis or financial analysis experience, preferably within the P&C insurance sector

Responsibilities

Lead credit analysis for a portfolio of U.S. P&C insurance entities while producing high-quality research and maintaining strong market relationships.

• Analyze financial statements and qualitative factors to assess the creditworthiness of assigned insurance, reinsurance, and brokerage companies
• Prepare and present credit recommendations in rating committees and participate actively in analytical discussions
• Produce timely, high-quality credit research including issuer reports, sector commentary, and market updates
• Maintain ongoing dialogue with senior company executives, including C‑suite stakeholders, to evaluate strategic direction and risk exposure
• Engage with investors, intermediaries, and media to communicate credit views and respond to market inquiries
• Build and sustain strong relationships with issuers and external market participants
• Collaborate with global analytical teams to ensure consistency and depth of credit analysis
• Mentor and support the development of junior analysts within the North American P&C insurance team
• Develop subject matter expertise in key areas such as P&C products, reserving, capital modeling, and enterprise risk management

About the Team

The North American P&C Insurance team is responsible for delivering independent, high-quality credit analysis across insurers, reinsurers, and brokers. The team plays a critical role in shaping market perspectives through rigorous research, issuer engagement, and investor interaction. By joining this team, you will collaborate with experienced analysts across Moody’s global network, contributing to impactful research and supporting informed decision-making across financial markets.

For US-based roles only: the anticipated hiring base salary range for this position is $233,700.00 - $338,850.00, 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.