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About the Role

The Esoteric ABS team assigns credit ratings to securities backed by non-traditional collateral. 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.

Responsibilities

• Act as senior reference point coaching on credit fundamentals, modelling discipline, data quality, and standard work including how to use AI as an enabler with governance.
• Coordinate work across credits; anticipate capacity/quality risks; influence outcomes through planning and constructive challenge in ambiguous situations.
• Embed continuous improvement into routines by improving playbooks/SOPs/prompt libraries and driving adoption.
• Partner with stakeholders to identify and shape high-impact use cases, supporting testing/adoption/rollout with governance, controls, and change management.
• Foster a critical thinking mindset challenging assumptions and the status quo to generate insights that shape market views and strategic decisions.
• Model enterprise behaviors: Discovery, Integrity, and Partnership including human-centric leadership alongside AI-enabled change.
• Deliver end-to-end analytical execution across a defined portfolio, setting a consistently high bar for quality, timeliness, and clarity to sustain customer trust.
• Lead surveillance and analytical updates, connecting performance, market developments, and issuer peers to forward-looking risk themes.
• Own the quality of key outputs, ensuring consistency and clarity of reasoning.
• Use approved GenAI/LLMs to accelerate research/comparisons/drafting.
• Operate effectively alongside AI agents in recurring workflows.
• Support the execution of AI-driven projects.
• Validate inputs, reconcile metrics, document assumptions/model changes.
• Synthesize data, analysis, and research into executive-ready, market-facing narratives that convey S&P’s analytical expertise.
• Build collaborative stakeholder trust through empathetic communication, differentiate S&P’s market viewpoint, and drive engagement with market participants.
• Contribute to strategic initiatives and thought leadership by researching, drafting, and refining content with senior team input.
• Ensure adherence to methodology/confidentiality/data governance requirements; escalate emerging risks early.
• Embed responsible AI use in workflow process.
• Drive controlled automation/agentic workflows to remove low-leverage work, defining requirements/controls and partnering with Data/Engineering to scale safely while setting expectations for ongoing monitoring and human oversight.

Requirements

• Complete the end-to-end ratings process for new issue and surveillance transactions.
• Perform cash flow analysis, synthesize results, and present findings in a timely manner in committees for various non-traditional assets.
• Analyze credit, cash flow, and performance characteristics of collateral pools.
• Review third-party model output and reconcile with cash flow results from internal models.
• Review legal and operating documents to ensure consistency with criteria and identify issues with the transaction structure.
• Provide comments to external parties.
• Actively manage relationships with internal and external clients.
• Demonstrate strong knowledge of ratings criteria and cash flow analysis and be able to handle clients’ analytical questions.
• Actively contribute to our training and outreach efforts, including the completion of timely commentaries, podcasts, and webinars.
• Execution maturity across credit portfolio; delivers high quality with limited oversight.
• Strong collaboration/communication; influences through credibility and constructive challenge.
• Proven coaching/mentorship; develops juniors through feedback and quality review and reinforces human accountability in AI-enabled work.
• Continuous improvement mindset with evidence of simplifying processes through standardization, tooling, and automation.
• Comfortable with ambiguity and change, adapting quickly as processes/tools evolve.
• Ability to scale automation/agent workflows by defining problems, supporting testing/UAT, identifying controls, and enabling adoption.
• Strong research/data/credit/financial analysis; translates complexity into decision-useful narratives grounded in evidence and judgement.
• Strong understanding of the financial services environment and ability to connect developments to emerging risk themes.
• Practical AI fluency: experience embedding GenAI/LLMs and agentic workflows to increase productivity/insight as an enabler of human expertise, paired with disciplined validation, governance, and judgement.
• Strong analytical tool capability; willingness to learn data/automation tools to oversee AI-enabled production.
• Effective written and verbal skills for committee-ready documentation/presentation and interactions with issuers, investors and market participants.
• High standards for accuracy, traceability, and governance; consistent adherence to methodology/documentation/confidentiality expectations.
• Sound judgement on responsible AI/automation (validation, bias/hallucination awareness, data protection, attribution, approved boundaries).

Skills

• AI as an enabler
• Credit fundamentals
• Modelling discipline
• Data quality
• Standard work
• Governance
• Continuous improvement
• Prompt libraries
• Change management
• Critical thinking
• GenAI/LLMs
• AI agents
• Data analysis
• Financial analysis
• Market knowledge
• Communication
• Risk management
• Automation

Location

• New York, New York, United States

Work Type

• Onsite (minimum two days per week)

Experience Level

• Five to ten years of relevant work experience

Education Level

• Bachelor’s degree or equivalent required
• Master’s degree or professional certification (such as CFA) is highly valued

Salary/Compensations

• USD 110,000 to 193,000
• CAD 110,000 to 172,000

Benefits

• Eligible for an annual incentive plan
• Health & Wellness: Health care coverage designed for the mind and body.
• Flexible Downtime: Generous time off helps keep you energized for your time on.
• Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills.
• Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs.
• Family Friendly Perks: Perks for your partners and little ones, too, with some best-in class benefits for families.
• Beyond the Basics: From retail discounts to referral incentive awards.

About the Company

• 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.
• 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.
• 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.
• At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction.
• By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions.
• S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets.
• With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today.
• Our Mission: Advancing Essential Intelligence.
• Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all.
• We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business.
• Our Values: Integrity, Discovery, Partnership
• Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead.
• We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals.

Equal Opportunity

• S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law.
• Only electronic job submissions will be considered for employment.
• If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person.
• US Candidates Only: Know Your Rights: Workplace discrimination is illegal