Sr Credit Associate

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. Skills And Competencies Macro/market literacy: rates, inflation, FX, commodity shocks, banking conditions, sovereign risk transmission to corporates/financials Familiarity with European public policy and the European economy; public policy and macroeconomic research and analysis experience or relevant credit analysis experience preferred Solid grounding in credit risk concepts leverage, coverage, liquidity, cash flow, covenant analysis, refinancing risk, capital structure, recovery basics Ability to translate macro/market trends and/or global credit trends (such as AI, Private Credit or Sustainable Finance) into sector/issuer implications, especially for EMEA sectors (corporate sectors, banks, financial institutions, sovereign) AI-enabled analysis with controls: Proficient in using approved AI tools to accelerate research, drafting, and data extraction, with disciplined validation of outputs against primary sources and strict adherence to data confidentiality and governance standards Data working knowledge of Python (or R) for data cleaning, analysis, and simple automation is desirable; ability to work with large financial and macro datasets from internal and external sources Technology displays excellent interpersonal capabilities Ability to work effectively and collaboratively in a team environment Strong organizational skills, attention to detail and ability to prioritize tasks effectively Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be used to improve processes and drive efficiency. Interest in exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use Education Strong academic background – graduate degree or equivalent Responsibilities The Senior Credit Associate will provide analytical, statistical, research and logistical assistance to the EMEA Chief Credit Officer (CCO) team, which provides leadership of regional credit oversight, ensuring the accuracy, consistency and transparency of credit outcomes in EMEA. Undertake economic and credit research and quantitative analysis related to macroeconomic, financial, policy and credit topics to promote rating quality, support credit analysis and research publications, including on topics such as key European policy changes, elections, macro-financing conditions and long-term trends such as AI, digital finance, private credit and sustainable finance Prepare economic, public policy and financial spreadsheets and presentations Assist in the drafting and visualization of rating