Senior Credit Associate

Skills and Competencies

• Hands-on experience with programming languages such as MATLAB, SQL, R, and/or Python, with a solid understanding of computer programming including design, implementation, compilation, and unit testing
• Strong quantitative and problem-solving skills with a high degree of attention to detail and ability to manage own workflow, prioritize tasks, and meet deadlines independently
• Experience in financial analysis and credit risk, with working knowledge of data engineering, data pipelines, and Object-Oriented Programming concepts preferred
• Knowledge and experience in data visualization tools and techniques desired; familiarity with Git workflow is a plus
• Excellent interpersonal and communication skills in English, both spoken and written, with the ability to function effectively both as a team player and independently in a support capacity
• Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency. Proven ability to implement AI-powered solutions to solve business challenges. Demonstrates a growing awareness of AI risk management and a commitment to responsible and ethical AI use

Education

• Postgraduate degree in Engineering, Financial Engineering, Econometrics, Economics, Statistics, Finance, Physics, or Mathematics required; 3+ years of relevant work experience preferred
• PhD degree or demonstrated experience authoring published research is helpful

Responsibilities

Provide analytical, statistical, research, and logistical support to the Default & Ratings Analytics team, contributing to ratings performance research, regulatory reporting, and data-driven insights that advance credit quality globally.

• Collect, process, clean, and verify structured and unstructured data related to defaults and impairments to support ratings performance research
• Utilize statistical and programming tools to query and manipulate large datasets and conduct in-depth quantitative analysis
• Compile statistical data packets and prepare data-oriented reports and presentations for rating methodology reviews and ratings performance assessments
• Support senior analysts in the drafting, visualization, and publication of default research reports for internal and external audiences
• Assist with ad-hoc quantitative projects and respond to internal and external data requests in a timely and accurate manner
• Participate in business transformation initiatives, including the adoption and responsible use of artificial intelligence tools to improve analytical processes and drive efficiency