Let's begin! Solutions Specialist, Credit Risk ...

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

• 7+ years of experience in credit risk modeling, including PD, LGD, EL, scorecards, hazard models, regression-based models, and early warning signals
• Ability to explain, interpret, and defend model behavior for both executive and technical audiences
• Experience working with financial data inputs, model assumptions, and validation concepts
• Excellent written and verbal communication skills, with the ability to structure complex technical concepts into clear, business-relevant messages
• Strong work ethic, curiosity, and ability to operate independently under limited supervision
• Ability to operate effectively in a deadline-driven, collaborative environment
• Willingness to travel up to 40%
• Familiarity with EDF X, RiskCalc, CreditEdge, Portfolio Analyzer, or internal model frameworks (preferred)
• Experience supporting origination, underwriting, portfolio monitoring, or early warning workflows in commercial, consumer, or middle-market lending environments (preferred)
• Prior experience in model validation, model governance, or analytics support within a bank, regulator, consulting firm, or risk solutions provider (preferred)
• Experience delivering quantitative presentations, client workshops, or training sessions (preferred)
• Demonstrated ability to influence stakeholders by presenting technical ideas, proposed workflows, or modeling-driven recommendations (preferred)

Education

• Bachelor's or Master's degree in Finance, Economics, Mathematics/Statistics, Data Science, Risk Management, or related quantitative fields

Responsibilities As a subject matter expert across Moody's risk modeling ecosystem, the specialist focuses on the EDF X platform, public and private firm models, retail/consumer credit models, and key analytic frameworks such as Probability of Default (PD), Loss Given Default (LGD), Expected Loss (EL), and Early Warning Systems (EWS). This highly quantitative, client-facing role requires foundational knowledge of dual risk rating concepts and expected-loss-based credit processes used in CECL and broader risk assessment. The specialist leads deep-dive demonstrations, executive-level presentations, model discussions, and comprehensive proofs of concept (POCs) for institutions evaluating Moody's risk solutions, supporting the Relationship Manager and Workflow Specialist.

• Client Engagement & Technical Leadership
  • Deliver expert demonstrations across Moody's commercial & consumer credit analytics suite, including EDF X, RiskCalc, CreditEdge, and retail models
  • Lead customer meetings to clarify business objectives, modeling needs, data requirements, and workflow impacts
  • Drive the technical evaluation process, ensuring client understanding of model logic, methodology, and credit decisioning value
  • Develop and refine collateral supporting sales strategy and client comprehension
  • Conduct in-depth POCs including model performance comparisons, dataset validation, and demonstrations of PD, LGD, and EL outputs
  • Present executive narratives and detailed technical deep dives on model methodology, validation practices, risk signals, and early warning analytics
• Risk Model Expertise: PD, LGD, EL
  • Translate complex credit risk methodologies into clear, practical explanations for business and technical audiences
  • Compare Moody's models with competitor or internal bank models, articulating strengths, assumptions, and implications
  • Advise clients on integrating PD/LGD/EL outputs into underwriting, risk rating, early warning, CECL/IFRS9, monitoring, and portfolio analytics
• Training, Enablement & Thought Leadership
  • Deliver training for internal teams and clients on EDF X, risk modeling, scorecards, and EWS frameworks
  • Provide market-informed insight to internal stakeholders, contributing to product strategy and model enhancements
  • Maintain up-to-date knowledge of regulatory expectations and innovations in quantitative credit risk
• Cross-Functional Collaboration
  • Work closely with Product Management, Research, Advisory, and Customer Success to align feature development with client needs
  • Coordinate with sales to support proposals, RFP/RFI responses, and evaluation frameworks highlighting Moody's quantitative differentiation

About the Team Our team works at the intersection of advanced quantitative modeling, client engagement, and strategic product enablement. We support institutions evaluating Moody's commercial and consumer credit analytics by providing deep technical expertise across PD, LGD, EL, early warning models, and the EDF X platform. Through strong collaboration with Sales, Product, Research, and Customer Success teams, we help clients understand, adopt, and maximize the value of Moody's risk solutions within their credit decisioning, underwriting, regulatory, and portfolio management processes.For US-based roles only: the anticipated hiring base salary range for this position is $113,200.00 - $164,050.00, depending on factors such as experience, education, level, skills, and location. This range is based on a full-time position. In addition to base salary, this role is eligible for incentive compensation. Moody's also offers a competitive benefits package, including not but limited to medical, dental, vision, parental leave, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, a discounted employee stock purchase plan, and tuition reimbursement. Moody's is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody's also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email [email protected] . This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance. This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act. Click here to view our full EEO policy statement . Click here for more information on your EEO rights under the law . Click here to view our Pay Transparency Nondiscrimination statement . Click here to view our Notice to New York City Applicants. 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.

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