📍
Bengaluru, India

Credit Associate

No experience
Finance
Operations
Posted:
December 28, 2025

Moody's

Credit ratings and research provider
74.9
Palpable Score
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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

•    Hands on experience with programming languages such as MATLAB, SQL, R and/or Python
•    Strong quantitative and problem-solving skills
•    High degree of attention to detail and willingness to learn new technologies
•    Excellent interpersonal and communication skills
•    Fluency in English, both spoken and written
•    Team player with the ability to work independently and function in a support role
•    Ability to manage own workflow/priorities and meet deadlines
•    Knowledge and experience in data visualization would be a plus


Qualifications:


•    Graduate/Post-graduate degree in Engineering, Financial Engineering, Econometrics, Economics, Statistics, Finance, Physics, Mathematics or Business preferred
•    0-2 years of relevant work experience required for Graduate degree candidates -- experience in financial analysis and credit risk a strong plus.


Role / Responsibilities:


The major function of the role is to provide analytical, statistical, research and logistical assistance to the Default & Ratings Analytics team within Credit Strategy & Standards. Key responsibilities include:
•    Track fundamental sector defaults and resolution and collect corporate default data
•    Process, clean, and verify data for default and ratings performance research
•    Utilize MATLAB, Excel, and SQL to query and manipulate large datasets to conduct statistical analysis
•    Compile statistical data packets for rating methodology reviews
•    Prepare data-oriented reports and presentations concerning ratings performance
•    Support senior analysts in the drafting and visualization of default research publications
•    Assist with ad-hoc quantitative projects and respond to internal as well as external data requests

About the company

Moody's

Company overview
Moody’s is a financial services company best known for credit ratings through Moody’s Ratings and data, analytics, and risk solutions through Moody’s Analytics (including Moody’s RMS for catastrophe and climate risk). Moody’s products are used by investors, banks, insurers, corporates, and governments to assess credit risk and broader financial and climate-related risk. The company earns revenue from a mix of recurring subscriptions, data and software platforms, and ratings-related fees.

Locations and presence

Moody’s has a global footprint with a workforce of roughly 16,000 people across more than 40 countries, with a major U.S. presence including New York. Work setup varies by role, and multiple job postings specify hybrid expectations such as a minimum number of days in the office.

Palpable Score

74.9
/ 100
Moody’s is a solid option for graduates because the company offers several named early-career pathways, not just a single internship funnel. Pay transparency is better than average for finance-adjacent employers because salary ranges appear in at least some early-career postings. The main drag on the score is outcomes transparency: Moody’s shares strong detail on programs, but publishes very little about conversion rates, time-to-promotion, or retention for early-career cohorts.
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