About the Role:

Grade Level (for internal use):

11

S&P Global Market Intelligence, a division of S&P Global, is looking for an Associate Director to join the Risk & Valuation service team in Tokyo, Japan.

S&P Global Market Intelligence Risk & valuation service licenses Credit Assessment Scorecards, which are used by credit professionals to score obligors and facilitates the purpose of quantifying credit risk. Scorecards comprise a set of scoring sheets (that put together a set of qualitative and quantitative parameters, algorithms and lookup tables) and are delivered to the client along with detailed user guides, technical documentation, training workshops and ongoing client support.

These tools have been widely used for critical business processes of our clients, such as assigning internal ratings, calculating risk weighted assets, pricing of loans and loan loss provisioning. In particular, scorecards are de facto tools to assign internal ratings that can be mapped to S&P Global Ratings for low default asset classes such as specialized lending, Fund financing, financial institutions, large corporates and sovereigns. Development of the tools leverages S&P Global Ratings’ published methodologies/criteria, data and default histories.

This role will focus on diagnosing requirements and providing appropriate suite of strategic credit risk management solutions to our clients, mainly financial institutions. The candidate will also provide vital technical and analytical support in business development initiatives in his/her main areas of expertise. He or she will work closely with the global product development teams (analytical development team), the sales team and the client support team to grow and support S&P Global Market Intelligence’s business.

Core Responsibilities

• Delivery of Scorecards. This includes application workshops so that clients fully understand how to use the scorecards. The candidate will be expected to prepare supporting case studies for training workshops and presales workshops. Also, he or she will provide analytical support to clients for proper application of the scorecards per their business needs. This includes periodic Q&As on methodologies.
• Undertaking Assessments of Credit (AoCs). He or she will receive information on the obligors to be assessed, run Scorecards and deliver the results in the form of AoC reports.
• Updating and maintaining (U&M) of Scorecards. Scorecards are regularly updated to reflect changes in methodologies, financial profile of obligors and industry trends. The candidate will work closely with the global scorecard's development team in development, update and testing of scorecards including data collection, benchmark creation, testing and update of documentation. Results of the U&M exercises, including the performance statistics, should also be conveyed to the existing clients.
• Presales. Meeting with potential clients and discussion on their business requirements in credit risk management and offering fit-for-purpose solutions to the clients, in cooperation with the sales team. At times, communication topic will be analytical and technical. Wide knowledge of credit risk management and regulatory requirements is strongly preferred.

Core Skills and Requirements

• Post graduate degree required
• At least 10 years plus direct experience of either of the following:(1) Credit analysis or lending at major financial institutions or rating agencies(2) Planning and operations of internal rating framework at major financial institutions(3) Business consulting on credit risk management for financial institutions clients(4) Product management of credit assessment models at model vendors
• Experiences in lending to or analyzing credits of low default asset classes, such as specialized lending exposures (project finance, object finance, real estate finance), financial institutions, large corporates or sovereigns.
• Ability to pay close attention to detail with a high degree of accuracy
• Excellent credit risk analysis capabilities
• In-depth knowledge on credit risk management practices, including regulatory requirements
• Experience in or understanding of commercial banking / investment management space, with a focus on credit / lending
• Intermediate accounting knowledge
• Intermediate probability and statistics knowledge
• Fluent in Japanese and business level of oral and written English skill
• Established relationship building and time management skills
• Strong ability to communicate with clients in a clear manner with strong presentation skills
• Ability to interact with and influence the decision-making on analytical and commercial matters with internal teams across countries and functions, as well as clients
• Ability to work independently as well as in a team-based environment
• MBA, CPA, CFA or CMA candidates are welcome

This position would be ideal for someone:

• Who wants to deepen credit expertise for wide range of asset classes such as specialized lending, Fund financing, financial institutions, large corporates, SME, LBO and sovereigns.
• With very strong attachments to quality of work, including accuracy, completion and consistency
• With client-centric mindset and strong preference to be in a client-facing role
• Looking for a work environment where teamwork is highly valued
• Looking to be in better control of his/her own time management resulting in improved work-life balance
• Who likes to work in a dynamic, multi-cultural and global work environment

About S&P Global Market Intelligence

At S&P Global Market Intelligence, a division of S&P Global we understand the importance of accurate, deep and insightful information. Our team of experts delivers unrivaled insights and leading data and technology solutions, partnering with customers to expand their perspective, operate with confidence, and make decisions with conviction.

For more information, visit www.spglobal.com/marketintelligence.

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-in class benefits for families.

• Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference.

For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries

Global Hiring and Opportunity at S&P Global:

At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets.

Recruitment Fraud Alert:

If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here.

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Equal Opportunity Employer

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

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20 - Professional (EEO-2 Job Categories-United States of America), BSMGMT202.2 - Middle Professional Tier II (EEO Job Group)