Financial Engineer - Cash Flow Modelling

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 2-4 years of relevant work experience in the area of securitization, preferably having cash flow modelling experience for any Structured Finance asset class (ABS, RMBS, CMBS, CLO etc)
•    Strong quantitative and analytical skills
•    Experience with structured query language (SQL), VBA, Python, or other programming languages preferred
•    Attention to detail and ability to deliver outputs accurately within the stipulated timeframe
•    Excellent team player and able to work with virtual and global cross functional teams
•    Excellent spoken and written communication as well as receptive listening skills, with ability to present complex ideas in a clear, concise fashion to technical and non-technical audiences

Education 
•    An MBA or an equivalent degree is required
•    Professional certifications, such as CFA or FRM, are considered an added advantage

Responsibilities
A Financial Engineer in the India Cash Flow Modelling team will collaborate globally to build waterfall models for structured finance deals to expand US asset class libraries, and improve business processes. Strong knowledge of securitization is essential, as the role involves cross-training, client support, developing features, and analysing new securitization products
•    Develop complex cash flow projection models (including deal structure set up) for US securitization transactions using our proprietary software. You will be tasked with creating and reviewing Cash Flow (Waterfall) model for various US ABS, RMBS and CMBS transactions for external and internal clients, supporting our product and software development teams for these products
•    Lead/Participate in quality and productivity enhancement projects
•    Lead/Participate modelling and updating tool development and enhancement
•    Work closely with each asset class desk and client support teams regarding client challenges, new feature developments, and new securitization product analysis in the market

About the team
Our Cashflow Modeling Team in India is responsible for deal set up and waterfall modelling of various US securitization deal libraries (ABS, RMBS, CMBS) using our in-house proprietary modelling and updating tools that contributes towards expanding deal coverage and offer our clients cashflow analytics across various asset classes

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.