Financial Engineer

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 & Competencies

• Analytical Expertise: Demonstrated ability to evaluate performance data for complex financial products and validate projected cash flows generated by credit models.
• Language Proficiency: Native level Japanese fluency, including precise use of Kanji, and business level English to facilitate effective collaboration with global teams.
• Financial Acumen: Proven experience in reading and interpreting financial product prospectuses.
• Problem Solving Capability: Track record of identifying client challenges and devising innovative, resource efficient solutions.
• Technical Competence: Advanced proficiency in MS Office (particularly Excel) and programming experience in C++, Python, or VBA.
• Adaptability: Capacity to rapidly master proprietary software applications.
• Attention to Detail: Exceptional accuracy and organizational skills, with the ability to manage multiple priorities.
• Interpersonal Skills: Strong collaborative mindset and effective communication abilities.
• 1–3 years of experience in structured finance, derivatives, and/or fixed income products.
• Familiarity with Japanese securitization deal documentation and cash flow waterfall structures.
• Experience with SQL for data extraction, transformation, and analysis.

Education

• Bachelor’s degree from a recognized university (required).
• Master’s degree in Finance, Mathematics, Statistics, or Economics (preferred).

Responsibilities

• Client Engagement & Enablement: Partner with premier financial institutions in Japan to ensure optimal utilization of our structured finance solutions.
• Data Management Automation: Design, develop, and implement automated processes to streamline client reporting and enhance operational efficiency.
• Model Development & Reporting: Construct robust cash flow models and produce comprehensive monitoring reports tailored to the requirements of investors and underwriters.

About the Team
Our Asset Management Business Unit is a vibrant, forward-thinking team committed to delivering innovative financial solutions. We leverage cutting-edge AI technologies and data-driven insights to create value for our clients while fostering a culture of collaboration, creativity, and excellence. Joining us means becoming part of a dynamic group that encourages professional growth and celebrates diverse perspectives.

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.