AVP - Ratings (Structured Finance)

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

• 5 to 7 years’ experience in banking or financial services, preferably within structured finance
• Strong understanding of financial markets and broader business environment
• Excellent written and verbal communication skills; native Japanese and professional English proficiency required
• Well-developed analytical and problem-solving skills, with ability to synthesize information into clear, reasoned insights
• Ability to manage multiple priorities, adapt to changing environments, and meet tight deadlines
• Strong interpersonal skills with the ability to collaborate effectively across stakeholders
• 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

• Bachelor's degree required; postgraduate qualification (e.g., MBA/Master’s) or equivalent academic

Responsibilities This is a challenging high-profile role focused on delivering insightful credit analysis, ensuring rating accuracy, and engaging with market participants. You will develop deep expertise in the assigned asset class, contribute to thought-leading research, and play a key role in the end-to-end rating process, including active interaction with investors, issuers, and other stakeholders.

• Lead credit risk analysis for structured finance transactions, providing clear and well-reasoned rating recommendations
• Act as lead analyst in rating committees, presenting analysis and driving discussion
• Prepare high-quality research, including special comments, internal publications, and methodology papers
• Contribute actively to rating committees and the overall rating process
• Engage with investors, issuers, and intermediaries through meetings, presentations, and ongoing dialogue
• Conduct independent analysis of complex credit portfolios and recommend rating actions with minimal supervision
• Author insightful research on transactions, issuer developments, and sector trends, supporting market transparency
• Support investor outreach initiatives focused on portfolio and industry developments
• Participate in analytical initiatives, projects, and internal knowledge-sharing forums
• Mentor and guide junior analysts, supporting team development
• Lead issuer meetings, including on-site visits, and maintain professional communication with investors and market participants

About The Team Moody’s Structured Finance Group is responsible for assigning and monitoring credit ratings for securities backed by pools of residential mortgage loans, auto loans, and other 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.