Senior Reference Point - Esoteric ABS

We are seeking a Senior Reference Point to join our Esoteric ABS team within Credit Ratings at S&P Global. As a senior reference point, you will coach junior analysts and serve as a subject matter expert on credit fundamentals, modeling discipline, and data quality.

Responsibilities:

• Act as senior reference point coaching Research Assistants, Rating Analysts, and Senior Analysts on credit fundamentals, modeling discipline, data quality, and standard work, including how to use AI as an enabler with governance.
• Coordinate work across credits, anticipate capacity/quality risks, and 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.
• 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.

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 legal and operating documents to ensure consistency with criteria and identify issues with the transaction structure.
• 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 training and outreach efforts.
• 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).

What You Stand to Gain:

• Joining a diverse community where your growth and well-being come first.
• Bringing your best self to work in an environment that values inclusion, collaboration, and authentic engagement.
• Celebrating your achievements with us.
• Connecting through our People Resource Groups.

Compensation/Benefits Information:

• Anticipated base salary range: $110,000 USD to $193,000 USD.
• Eligible for an annual incentive plan.

Additional Information:

• Typically requires five to ten years' of relevant work experience.
• Bachelor's degree or equivalent required; master's degree or professional certification (such as CFA) highly valued.