Sr Credit Associate

Sr Credit Associate

Bengaluru, India

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Posted

10/30/2026

Job reference

15713

Experience level

Experienced Hire

Job category

Ratings, Credit & ESG Research

Job

Credit Strategy

Line of business

CSS

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

• Hands-on experience with programming languages such as MATLAB, SQL, R, and/or Python, with a solid understanding of computer programming including design, implementation, compilation, and unit testing
• Strong quantitative and problem-solving skills with a high degree of attention to detail and ability to manage own workflow, prioritize tasks, and meet deadlines independently
• Experience in financial analysis and credit risk, with working knowledge of data engineering, data pipelines, and Object-Oriented Programming concepts preferred
• Knowledge and experience in data visualization tools and techniques desired; familiarity with Git workflow is a plus
• Excellent interpersonal and communication skills in English, both spoken and written, with the ability to function effectively both as a team player and independently in a support capacity
• 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

Education

• Postgraduate degree in Engineering, Financial Engineering, Econometrics, Economics, Statistics, Finance, Physics, or Mathematics required; 3+ years of relevant work experience preferred
• PhD degree or demonstrated experience authoring published research is helpful

Responsibilities

• Provide analytical, statistical, research, and logistical support to the Default & Ratings Analytics team, contributing to ratings performance research, regulatory reporting, and data-driven insights that advance credit quality globally.

• Collect, process, clean, and verify structured and unstructured data related to defaults and impairments to support ratings performance research

• Utilize statistical and programming tools to query and manipulate large datasets and conduct in-depth quantitative analysis

• Compile statistical data packets and prepare data-oriented reports and presentations for rating methodology reviews and ratings performance assessments

• Support senior analysts in the drafting, visualization, and publication of default research reports for internal and external audiences

• Assist with ad-hoc quantitative projects and respond to internal and external data requests in a timely and accurate manner

• Participate in business transformation initiatives, including the adoption and responsible use of artificial intelligence tools to improve analytical processes and drive efficiency

• About the Team

• Our Default & Ratings Analytics team publishes sector- and region-specific research on Moody's ratings performance and emerging credit trends, while also producing critical regulatory reports and delivering statistics that help rating teams improve credit quality globally. The team operates within the Credit Strategy and Standards group, which promotes rating quality, consistency, and transparency across Moody's Investors Service credit analysis worldwide. By joining our team, you will contribute to high-impact analytical work that sits at the intersection of credit research, quantitative analytics, and innovation — including the integration of AI-enabled capabilities that are shaping the future of ratings intelligence at Moody's.

• 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.

• For more information on the Securities Trading Program, please refer to the Securities Trading Policy on Moody’s Compliance Expo page

• Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee’s tenure with Moody’s.

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