VP-Ratings (US Insurance)

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
Strong financial analysis skills with the ability to assess both quantitative and qualitative credit factors within the P&C insurance sector
Deep knowledge of U.S. property and casualty insurance, reinsurance, and brokerage markets, including reserving practices, capital models, and enterprise risk management
Excellent written communication skills with the ability to produce clear, concise, and thought‑provoking credit research and opinions
Strong verbal communication and presentation skills, with confidence interacting with senior executives, investors, and internal stakeholders
Proven ability to manage multiple priorities and deliver timely outputs in a dynamic, fast‑paced environment
Relationship management skills with experience engaging C‑suite executives and market participants
Leadership capability with a track record of mentoring and developing junior team members
Demonstrated proficiency in artificial intelligence concepts, with hands-on experience using AI tools to streamline workflows and enhance operational efficiency.
Education
Bachelor’s degree in Finance, Accounting, Economics, or a related field
MBA in Finance, CPA, or actuarial designation (ACAS or FCAS) preferred
Approximately 8–10 years of relevant credit analysis or financial analysis experience, preferably within the P&C insurance sector
Responsibilities
Lead credit analysis for a portfolio of U.S. P&C insurance entities while producing high-quality research and maintaining strong market relationships.
Analyze financial statements and qualitative factors to assess the creditworthiness of assigned insurance, reinsurance, and brokerage companies
Prepare and present credit recommendations in rating committees and participate actively in analytical discussions
Produce timely, high-quality credit research including issuer reports, sector commentary, and market updates
Maintain ongoing dialogue with senior company executives, including C‑suite stakeholders, to evaluate strategic direction and risk exposure
Engage with investors, intermediaries, and media to communicate credit views and respond to market inquiries
Build and sustain strong relationships with issuers and external market participants
Collaborate with global analytical teams to ensure consistency and depth of credit analysis
Mentor and support the development of junior analysts within the North American P&C insurance team
Develop subject matter expertise in key areas such as P&C products, reserving, capital modeling, and enterprise risk management
About the Team
The North American P&C Insurance team is responsible for delivering independent, high-quality credit analysis across insurers, reinsurers, and brokers. The team plays a critical role in shaping market perspectives through rigorous research, issuer engagement, and investor interaction. By joining this team, you will collaborate with experienced analysts across Moody’s global network, contributing to impactful research and supporting informed decision-making across financial markets.
For US-based roles only: the anticipated hiring base salary range for this position is $200,00.00-$290,000.00, 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.