S&P Global
Senior Analyst - Structured Finance

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About the Role
The Structured Finance and Alternate Investment Funds practice evaluates the credit risk of securitized products and fund structures by analyzing 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 performance trends, issuance conditions, and AI's role in origination and securitization. The team is part of S&P Global Ratings' global analyst community of more than 1,400 analysts across key financial hubs worldwide, dedicated to delivering high-quality insights and exceptional client service across all industry sectors.
What You'll Do
Impact At S&P Global, our values — Discovery, Integrity, and Partnership — shape how we work, collaborate, and earn trust. We embrace AI as an enabler, guided by rigorous governance and risk management, to enhance the intelligence of our people, deep relationships, and trusted insights. By combining technology with human expertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligence without compromising quality, accountability, or integrity.
Responsibilities at the Rating Analyst Level
Team Contribution & Capability Building
- Promote consistent, standards-led approaches to build trusted, repeatable insights, and propose continuous improvements that remove manual steps without compromising governance or analytical judgment.
Core Analytical & Delivery
- Execute end-to-end credit analysis and surveillance for assigned structured finance credits, synthesizing portfolio performance, market signals, and peer context into decision-useful insights with clear implications for risk.
- Prepare and review analytical inputs and key outputs, reconciling metrics and documenting assumptions to ensure adherence to methodology, sector frameworks, and evidentiary standards.
Stakeholder & Market Engagement
- Engage with external stakeholders alongside senior team members, translating complex data and analysis into clear, client-ready narratives and communicating S&P Global's analytical expertise to drive engagement with market participants.
Risk Management and Operating
- Ensure adherence to methodology, confidentiality, and data governance requirements, escalating issues early with recommendations; embed responsible AI use — approved tools and data only — to protect analytical integrity
What We're Looking for a Rating Analyst
Required Skills and Experience
- An S&P Global employee at this level would typically have 1+ years of relevant experience in structured finance, credit analysis, or a related financial field.
- Demonstrated credit, financial, and risk analysis skills, with the ability to link fundamental drivers to forward-looking views and risk appetite.
- Effective written and verbal communication skills, with the ability to synthesize complex analysis into clear, structured narratives that support informed decision-making.
- Willingness to learn and apply AI tools, large language models, and automation technologies to improve analytical productivity and insight.
- High standards for analytical quality, traceability, and governance, with sound judgment on the responsible use of AI in a controlled environment.
- English: Required — Fluent (able to conduct meetings, collaborate effectively, and communicate clearly in writing and verbally).
- German: Preferred — Professional working proficiency
Preferred or Helpful Experience
- Experience analyzing ABS, RMBS, or corporate securitizations, with an emerging ability to support and advise junior colleagues in operational processes.
- Demonstrated ability to contribute to scalable automation and agentic workflows.
- Strong collaboration and relationship management skills, with the ability to influence through credibility and support team consistency through shared standards and tools.
- Education: Bachelor's degree or equivalent required. 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.
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Responsibilities at the Senior Analyst Level
Team Contribution & Capability Building
- Guide and coach junior analysts and research staff in credit analysis, data discipline, and analytical tooling; create reusable assets and propose automation improvements that free capacity for higher-value human analysis.
- Codify standard work and promote disciplined adoption to deliver consistent, repeatable insights, while fostering continuous improvement by removing manual steps without compromising governance.
Core Analytical & Delivery
- Lead end-to-end credit analysis and surveillance for assigned structured finance credits, synthesizing portfolio performance, market signals, and peer context into decision-useful insights with clear implications for risk.
- Prepare and review analytical inputs and key outputs, reconciling metrics, documenting assumptions, and ensuring alignment to methodology, sector frameworks, and evidentiary standards.
Stakeholder & Market Engagement
- Translate complex data and analysis into clear, client-ready narratives; advise on analytical issues within defined parameters, communicating S&P Global's expertise to drive engagement with market participants.
Risk Management and Operating
- Ensure adherence to methodology, confidentiality, and data governance, escalating issues early with recommendations; embed responsible AI use — approved tools and data only — and contribute to the design, testing, and rollout of controlled automation workflows.
What We're Looking for a Senior Analyst
Required Skills and Experience
- Demonstrated experience analyzing ABS, RMBS, and corporate securitizations, with the ability to influence and advise junior colleagues in operational processes.
- Strong credit, financial, and risk analysis skills, with the ability to link fundamental drivers to forward-looking views and risk appetite.
- Effective written and verbal communication skills, with the ability to synthesize complex analysis into concise, evidence-based narratives for senior stakeholders and committees.
- Practical experience embedding AI, large language models, or automation agents into analytical workflows to improve productivity and insight.
- High standards for analytical quality, traceability, and governance, with sound judgment on the responsible use of AI in a controlled environment.
- English: Required — Fluent (able to conduct meetings, collaborate effectively, and communicate clearly in writing and verbally).
Preferred or Helpful Experience
- Demonstrated ownership and execution maturity across multiple credits, delivering high-quality work with limited oversight.
- Demonstrated ability to contribute to the design and testing of scalable automation and agentic workflows.
- Education: Bachelor's degree or equivalent required. 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.
Additional Information


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- An S&P Global employee at the Senior Analyst level would typically have 3 to 5 years of relevant experience in structured finance, credit analysis, or a related financial field.
- An S&P Global employee at the Rating Analyst level would typically have 1+ years of relevant experience in structured finance, credit analysis, or a related financial field.
- We require all candidates who reach the final stage of our interview process to attend at least one in-person interview, which is ordinarily at your nearest S&P Global Ratings office. This must be completed before we can proceed to an offer.
- Employees are required to work from the office a minimum of two days per week.
About S&P Global Ratings
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.
For more information, visit www.spglobal.com/ratings
What’s In It For You?
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. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. 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. Join us and help create the critical insights that truly make a difference.
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.
Benefits:
We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global.
Our benefits include:
- 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: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-
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