Assistant Director - Portfolio Credit Risk & Capital Planning

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

• 5-7 years of experience in banking or financial services, gained at either a consulting firm or within a commercial banking or capital markets environment
• Strong understanding of banking regulations, credit portfolio management and the requirements of IFRS9, Basel and European Regulation especially around Stress Testing and ICAAP
• Track record of successful project management, preferably within a commercial banking or consultancy environment and managing client relationships
• Excellent analytical skills and persistence in analytical and problem solving, quantitative approach to understanding problems in finance
• Hands-on experience with AI or GenAI tools and familiarity with LLM integration in financial services use cases a plus
• Willingness to travel and work onsite internationally including Africa if required (up to 15%)
• Good interpersonal and stakeholder management skills and the ability to build professional relationships and engage both technical and non-technical stakeholders
• Track record of business or proposition development, ability to synthesize and translate customer feedback into actionable and impactful propositions
• Fluent in English. Fluency in French or another European language beneficial
• Working knowledge of R and Python

Education

• Minimum BA with an emphasis in Finance, Economics, Mathematics, or related quantitative field. MA or MSc degree a plus
• FRM or PRM or CFA designation a plus

Responsibilities

As an Assistant Director within Moody’s Europe and Africa (EA) Banking Consulting Services team, you will work with leading banks, insurers, asset managers, corporates and other financial institutions to address their most critical financial risk challenges. The role will include delivering bespoke risk management solutions within the lending, single obligor and portfolio-level credit risk, finance, regulatory compliance, climate/ESG and cyber risk considerations.

Core Focus Areas:

• Loan Origination & Underwriting: Support the design and implementation of credit decisioning frameworks
• Credit Risk Modeling: Assist in the development and deployment of models for single obligor and portfolio-level analysis
• Regulatory Compliance: Contribute to projects aligned with IFRS9, stress testing, ICAAP and other regulatory mandates
• Portfolio Management & Impairment Analytics: Help clients optimize portfolio performance and manage expected credit losses
• Climate & ESG Risk Integration: Participate in the integration of sustainability metrics into credit risk workflows
• This role requires a blend of deep banking SME expertise, technical knowledge, client engagement skills and strategic thinking to support banks and financial institutions in navigating complex risk and regulatory landscapes

Key responsibilities include:

• Provide senior-level client engagement and stakeholder management across regional advisory projects spanning risk, finance, lending, and portfolio management by leading and actively contributing to the design, execution, and oversight of consulting engagements
• Drive the development of customised solutions leveraging Moody’s proprietary platforms, data, and analytical methodologies, as well as acting as a trusted advisor, translating complex risk concepts into actionable insights for clients
• Design and deliver interactive methodology workshops for clients, integrating both quantitative and qualitative frameworks to demonstrate how Moody’s tools and methodologies can be embedded into risk management workflows to enhance decision-making and governance
• Lead pre-sales activities, including proposal writing, client scoping sessions, and solution design. Identify and pursue new business opportunities across the EA region
• Collaborate with Sales, Product Management, Center of Excellence and Marketing teams to position Moody’s advisory capabilities effectively, and relay client feedback that contributes to product enhancement evolution
• Represent Moody’s at industry events, conferences, and client meetings to enhance visibility and thought leadership. Contribute to the creation of white papers, webinars, and conference presentations
• Support innovation in Moody’s advisory offerings, including integration of Gen AI and digital transformation themes

About the team

The Banking Consulting Services team at Moody’s Analytics serves as a strategic partner to financial institutions across Europe and Africa. We deliver specialized consulting and recurring services that empower our clients to measure and manage credit risk, comply with regulatory requirements, and optimize portfolio performance. By combining deep domain expertise with Moody’s advanced analytics and technology, we provide tailored solutions in key areas such as loan origination, credit risk modelling, IFRS9 compliance, stress testing, and climate/ESG risk integration. Operating within Moody’s Analytics, the EA team plays a pivotal role in cross-functional collaboration—partnering with Product, Strategy, Sales, Customer Success, and Research teams to ensure seamless delivery and high client satisfaction.

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.