Location
London

Hours
Full Time

Salary
Negotiable

About the Role
At Moody's, we unite the brightest minds to turn today’s risks into tomorrow’s opportunities by creating 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.

You will lead credit analysis and research for UK sub-sovereign issuers, initially focused on housing associations. This involves analysing audited financial statements, business plans, sector developments, and other issuer-specific information to assess credit quality. You will monitor developments affecting assigned credits and maintain a strong understanding of relevant accounting, regulatory, economic, and sector trends. Presenting clear, well-supported, and forward-looking recommendations at rating committees in line with applicable methodologies will be a key responsibility.

You will produce high-quality research on issuers, sector trends, and key credit themes affecting UK sub-sovereign entities, build and maintain effective relationships with issuers, investors, government representatives, and other external stakeholders. Represent Moody’s externally through meetings, investor briefings, conferences, and other outreach activities. Collaboration with regional and global colleagues to support consistent analytical standards and knowledge sharing is essential. Additionally, you will coach junior colleagues and support the delivery of analytical work, research, and portfolio management activities while completing documentation, reporting, and compliance-related activities accurately and in line with internal standards.

The Sovereign and Sub-Sovereign Risk Group is responsible for credit analysis, ratings, and research across public sector and sub-sovereign issuers, covering sectors such as housing associations, universities, regional and local governments, nonprofits, and transport. By joining the team, you will contribute to Moody’s work by providing independent, high-quality credit analysis that helps market participants understand public sector and sub-sovereign risk.

Our team increasingly leverages artificial intelligence tools to streamline research workflows, enhance operational efficiency, and support analytical activities. Team members are encouraged to explore AI-powered solutions responsibly, maintaining strong analytical judgment, effective risk management, and adherence to Moody's standards of quality and integrity.

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.

Experience
- Strong financial statement analysis skills, with the ability to assess audited accounts, business plans, and financial performance indicators for complex public sector or sub-sovereign issuers
- Solid understanding of accounting principles, preferably supported by an accounting or finance degree, Certified Financial Analyst qualification, accounting qualification, or relevant professional experience
- Experience analysing credit risk, public finance, real estate, housing associations, local governments, universities, transport, nonprofits, or other sub-sovereign sectors
- Strong quantitative, analytical, and judgement skills, with the ability to interpret complex information and form clear, forward-looking credit views
- Highly organised and able to manage a portfolio of issuers independently, balancing competing priorities, deadlines, and documentation requirements
- 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 responsible AI practices, including risk management and ethical use

About you
You model Moody’s values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity. You have excellent written and verbal communication skills in English, with the ability to present analysis clearly to internal committees and external stakeholders.

Qualifications
- Graduate degree in Accounting, Finance, Business, Economics, Statistics, Public Administration, or a related field
- Certified Financial Analyst qualification, accounting qualification, or equivalent professional experience would be advantageous