Senior Analyst, Structured Finance
Summary
Senior Analyst evaluates credit risk for securitized products and fund structures, guiding teams on AI-enabled workflows and producing trusted credit opinions for issuers and investors.
About the Role:
Grade Level (for internal use):
11
The Team:
Credit Ratings is an integral part of the Global Ratings Services team,"comprising"a diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high-quality insights and exceptional client service across all industry sectors."
The"Structured Finance and Alternate Investment Funds"practice evaluates the credit risk of securitized products and fund structures by"analysing"underlying asset performance, structural protections, cash-flow mechanics, and downside stress scenarios. Analysts produce opinions that help issuers and investors compare complex instruments, bringing market-relevant perspectives on topics such as performance trends, issuance conditions, and"AI's role in origination and securitization."
The Impact:
At S&P Global, our values - Discovery, Integrity, and Partnership - shape how we work, how we collaborate, and how we earn trust with our customers and each other. We embrace AI as an enabler, guided by rigorous governance and risk management, to enhance what has always defined us: the intelligence of our people, deep relationships, and trusted insights. By leveraging technology with human expertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligence without compromising quality, accountability, or integrity.
What You Stand to Gain:
At"S&P Global Ratings, you will contribute to independent credit opinions the market relies on, strengthened by innovation that accelerates analysis.
We are People Forward. When you join S&P Global, you'll benefit from:
Team Contribution & Capability Building
Grade Level (for internal use):
11
The Team:
Credit Ratings is an integral part of the Global Ratings Services team,"comprising"a diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high-quality insights and exceptional client service across all industry sectors."
The"Structured Finance and Alternate Investment Funds"practice evaluates the credit risk of securitized products and fund structures by"analysing"underlying asset performance, structural protections, cash-flow mechanics, and downside stress scenarios. Analysts produce opinions that help issuers and investors compare complex instruments, bringing market-relevant perspectives on topics such as performance trends, issuance conditions, and"AI's role in origination and securitization."
The Impact:
At S&P Global, our values - Discovery, Integrity, and Partnership - shape how we work, how we collaborate, and how we earn trust with our customers and each other. We embrace AI as an enabler, guided by rigorous governance and risk management, to enhance what has always defined us: the intelligence of our people, deep relationships, and trusted insights. By leveraging technology with human expertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligence without compromising quality, accountability, or integrity.
What You Stand to Gain:
At"S&P Global Ratings, you will contribute to independent credit opinions the market relies on, strengthened by innovation that accelerates analysis.
We are People Forward. When you join S&P Global, you'll benefit from:
- Joining a diverse community where your growth and well-being come first-just like the 35,000+ colleagues who choose S&P Global every day.
- Bringing your best self to work in an environment that values inclusion, collaboration, and authentic engagement.
- Celebrating your achievements with us. We're committed to your continuous learning, offering education, training, and career coaching to help you grow and adapt in a changing world.
- Connecting through our People Resource Groups, which foster awareness, engagement, and a sense of community-both within S&P Global and beyond.
Team Contribution & Capability Building
- Provide day-to-day guidance/coaching to Research Assistants and Rating Analysts, building capability in credit, data discipline, and tooling and reinforcing values-led behaviours.
- Drive consistency/scalability by codifying standard work and promoting disciplined adoption to strengthen trusted, repeatable insights.
- Strengthen AI-enabled productivity by creating reusable assets and proposing lightweight automations that free capacity for human analysis and relationship work.
- Foster continuous improvement by proposing enhancements that remove manual steps without compromising governance or judgement.
- Partner with senior team members and Data/Engineering to identify and scale AI/automation use cases with governance-by-design, controls, and adoption support.
- Lead end-to-end execution for assigned credits, ensuring high-quality analysis and timely delivery across priorities with clear accountability.
- Own surveillance/updates for assigned portfolio, synthesising performance, market signals, and peer context into decision-useful insights and clear implications for risk.
- Supporting LLM tools/automation being embedded to accelerate workflows, followed by structured validation and refinement using analytical judgement to maintain trusted conclusions.
- Operate alongside AI agents in recurring workflows.
- Prepare/review inputs, reconcile metrics, document assumptions/changes to ensure adherence to methodologies/standard operating procedures.
- Prepare/review key outputs ensuring clarity and alignment to methodology/sector frameworks and evidentiary standards.
- Support maintenance/review of models to ensure robustness and repeatability and clear linkage to risk views.
- Engage with external parties alongside senior team members.
- Crafts client and executive-ready stories that translate complex data, analysis, and research into a clear narrative. Advising on issues within clear parameters, integrating and communicating complex information to convey S&P's analytical expertise and drive engagement with market participants.
- Building trusted stakeholder relationships through emotionally intelligent, collaborative and adaptable delivery.
- Ensure adherence to methodology/confidentiality/data governance; escalate issues early with options/recommendations to protect integrity and trust.
- Embed responsible, governed AI use: approved tools/data only; protect confidential info.
- Drive controlled automation/agentic workflows by contributing to design requirements/controls, supporting testing/rollout, and training others.
- Supports decisions relating to guardrails for automation: defining what can be automated vs must remain human-led (especially material risk calls and committee conclusions).
- Specialized experience in ABS, RMBS, and Corporate Securitisations with demonstrated ability to influence and advise junior colleagues in operational processes
- Strong critical thinking abilities and exceptional analytical skills with the capacity to make decisions where clear parameters exist and advise on complex issues using analytical perspective
- Ownership/execution maturity across multiple credits; delivers high quality with limited oversight and models values-led behaviour.
- Strong collaboration/relationship management; influences through credibility and constructive challenge.
- Coaching capability that improves team consistency through shared standards and tools.
- Continuous improvement mindset.
- AI fluency with judgement.
- Strong credit/financial/risk analysis linking drivers to forward-looking views and risk appetite.
- Practical experience embedding AI/LLMs/agents into workflows to improve productivity and insight.