S&P Global US | Associate Director - Structured Finance Ratings, Esoteric Assets, New York, Chicago, Denver, or Toronto

Responsibilities

• At S&P Global Ratings, you will contribute to independent credit opinions the market relies on, strengthened by innovation that accelerates analysis.
• Final base salary for this role will be based on the individual’s geographic location, as well as experience level, skill set, training, licenses, and certifications.
• In addition to base compensation, this role is eligible for an annual incentive plan.
• Compensation/Benefits Information: (This section is only applicable to Canadian candidates:) S&P Global states that the anticipated range of compensation for this position is 110,000 CAD to 172,000 CAD.
• Final compensation for this role will be based on the individual’s performance, geographic location, as well as experience level, skill set, training, licenses, and certifications.
• In accordance with Ontario's new regulations effective January 1, 2026, this job posting provides information on expected compensation.
• Act as senior reference point coaching (Research Assistants, Rating Analysts and Senior Analysts) 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.
• Partner with stakeholders to identify and shape high-impact use cases, supporting testing/adoption/rollout with governance, controls, and change management.
• 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.
• Support the execution of AI-driven projects.
• Validate inputs, reconcile metrics, document assumptions/model changes.
• Builds collaborative stakeholder trust through empathetic communication, differentiates S&P’s market viewpoint, and drives engagement with market participants.
• Contribute to strategic initiatives and also thought leadership by researching, drafting, and refining content with senior team input.
• Ensure adherence to methodology/confidentiality/data governance requirements; escalate emerging risks early.
• 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.
• Celebrating your achievements with us.
• Fosters 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.
• Use approved GenAI/LLMs to accelerate research/comparisons/drafting.
• Operate effectively alongside AI agents in recurring workflows.
• Perform cash flow analysis, synthesize results, and present findings in a timely manner in committees for various non-traditional assets, including transportation ABS, private equity, triple NNN, data centres, time-share, whole business, and De-Fi transactions.
• Analyse credit, cash flow, and performance characteristics of collateral pools.

Requirements

• Demonstrate strong knowledge of ratings criteria and cash flow analysis and be able to handle clients’ analytical questions.
• 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.
• 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.
• Sound judgement on responsible AI/automation (validation, bias/hallucination awareness, data protection, attribution, approved boundaries).
• A master’s degree or professional certification (such as CFA) is highly valued.
• We welcome candidates from traditional finance disciplines as well as diverse academic backgrounds that support innovative and critical thinking.
• Candidates who reach the final stage of the interview process will be asked to attend at least one in-person interview at their nearest S&P Global Ratings office before an offer can be extended.

S&P Global US

S&P Global US is an employer hiring in India (sector: BFSI / Investments / Insurance).

Its finance, accounts, audit and tax openings in India are mostly in New York, Chicago, Dallas and Colorado.

• Industry: BFSI / Investments / Insurance