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 fostering an inclusive environment where everyone feels welcome to be themselves—with the freedom to exchange ideas, think innovatively, and listen meaningfully to each other and our customers. Moody’s is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we are advancing AI to move from insight to action—enabling intelligence that understands complexity and responds to it. We decode risk to unlock opportunity, helping clients navigate uncertainty with clarity, speed, and confidence.

In this role, you will lead credit analysis and research for UK sub-sovereign issuers, initially focusing on housing associations. You will analyse 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. You will present clear, well-supported and forward-looking recommendations at rating committees in line with applicable methodologies and produce high-quality research on issuers, sector trends and key credit themes affecting UK sub-sovereign entities.

You will build and maintain effective relationships with issuers, investors, government representatives and other external stakeholders, representing Moody’s externally through meetings, investor briefings, conferences and 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 covers a range of sectors including housing associations, universities, regional and local governments, nonprofits and transport. By joining the team, you will contribute independent, high-quality credit analysis that helps market participants understand public sector and sub-sovereign risk. You will also have the opportunity to leverage innovative analytical tools, including artificial intelligence capabilities, to enhance research processes, improve efficiency, identify emerging credit trends, and support more informed risk assessment.

Our team increasingly leverages AI tools to streamline research workflows and enhance operational efficiency. 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, CFA qualification, accounting qualification, or relevant professional experience
- Experience analysing credit risk in 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 improve processes and drive efficiency

About you
- Excellent written and verbal communication skills in English, with the ability to present analysis clearly to internal committees and external stakeholders
- Interest in responsible AI practices, including risk management and ethical use
- Ability to build and maintain effective relationships with issuers, investors, government representatives and other external stakeholders
- Collaborative mindset with a commitment to knowledge sharing and coaching junior colleagues

Qualifications
- Graduate degree in Accounting, Finance, Business, Economics, Statistics, Public Administration, or a related field
- CFA qualification, accounting qualification, or equivalent professional experience is advantageous