Financial Engineer

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
Minimum of 3 to 4 years of relevant experience in the securitization field with hands-on exposure to Structured Finance asset classes such as Collateralized Loan Obligations, Residential Mortgage Backed Securities, Commercial Mortgage Backed Securities, or Asset Backed Securities required; background in Collateralized Loan Obligation asset class preferred
Strong quantitative and analytical problem-solving abilities with the capability to interpret and model complex deal structures and cash flow waterfalls accurately
Experience with data tools and scripting or programming languages such as SQL, Python, VBA, C#, JavaScript, and JSON highly desirable; candidates may be assessed on problem-solving skills and ability to write code
Attention to detail with the ability to deliver outputs accurately within stipulated timeframes while managing multiple priorities in a fast-paced global environment
Excellent team player with the ability to collaborate effectively with financial engineers, data teams, and developers across multiple global locations
Good verbal and written communication skills with the ability to engage directly with trustees and cross-functional teams across client support and asset class desks & private credit exposure is a plus
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
Master's degree in Finance, Engineering, Statistics, Mathematics, or a related quantitative field required
Responsibilities
The Financial Engineer is responsible for waterfall cash flow modelling of structured finance deals to expand coverage and deliver high-quality analytics for global clients & develop complex cash flow projection models, including deal structure setup, for US and European securitization transactions using proprietary modelling software
Lead and participate in quality and productivity enhancement projects to improve the accuracy and efficiency of cash flow modelling workflows
Lead and participate in modelling and updating tool development and enhancement initiatives in collaboration with technology and developer teams
Work closely with asset class desks and client support teams to address client challenges, support new feature developments, and analyze emerging securitization products in the market
Collaborate with financial engineers, data teams, and developers across multiple global locations to improve the coverage and quality of content offerings and business processes. Also, engage directly with trustees of structured finance transactions to resolve issues and ensure accurate representation of deal terms in models
Contribute to cross-training within the team by sharing expertise in securitization structure and cash flow features across various asset classes
About the Team
At Moody's, we unite the brightest minds to turn today's risks into tomorrow's opportunities. As a global leader in ratings and integrated risk assessment with 14,000+ employees across 90 cities, we are committed to fostering an inclusive and innovative workplace. The India Cash Flow Modelling team, part of the Asset Management group, is primarily responsible for deal setup and waterfall cash flow modelling of Collateralized Loan Obligation deals using in-house proprietary modelling tools, alongside data updating and analytics activities. By joining this team, you will play a key role in expanding global structured finance deal coverage, driving process innovation, and collaborating with cross-functional teams around the world to deliver impactful analytical solutions.
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.