Embedded Finance Jobs in Colorado (NOW HIRING)

The Team:

Credit Ratings is an integral part of the Global Ratings Services team,comprisinga diverse group of 1,400 analysts spread across key financial hubs worldwide. We are dedicated to delivering high-quality insights and exceptional client service across all industry sectors.

ThePublic Financepractice delivers credit opinions on public-sector issuers (including states/provinces, local governments, public agencies, not-for-profits, and infrastructure-related municipal issuers). Analysts translate local economic and demographic trends, revenue stability, governance, and long-term liabilities into transparent views that help communities finance essential services and long-duration investments.

TheHousing team is a dynamic, collaborative group that covers a portfolio of approximately 600 ratings associated with housing finance agencies, public housing authorities, and community development financial institutions. We analyze capital fund financings andfederally-enhancedhousing issues across the country, combining independent analytical work withstrong teamcollaboration. Our team values analytical excellence, strategic thinking, and the ability to translate complex affordable housing market dynamics into clear, actionable insights for our clients and stakeholders.

The Impact:

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. Byleveragingtechnology with humanexpertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligencewithout compromising quality, accountability, or integrity.

What You Stand to Gain:

AtS&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'llbenefitfrom:

• Joininga diverse community where your growth and well-being come first-just like the 35,000+ colleagues who choose S&P Global every day.

• Bringingyour best self to work in an environment that values inclusion, collaboration, and authentic engagement.

• Celebratingyour achievements with us.We'recommitted to your continuous learning, offering education, training, and career coaching to help you grow and adapt in a changing world.

• Connectingthrough our People Resource Groups, which foster awareness, engagement, and a sense of community-both within S&P Global and beyond.

Responsibilities:

Team Contribution & Capability Building

• Provide day-to-day guidance/coaching to Research Assistants and Rating Analysts, building capability in credit, data discipline, and tooling and reinforcing values-ledbehaviors.

• Drive consistency/scalability by codifying standard work and promoting disciplined adoption to strengthen trusted, repeatable insights.

• Strengthen AI-enabled productivity by creating reusable assets and proposing lightweight automationsthatfree capacity for human analysis and relationship work.

• Foster continuous improvement by proposing enhancements that remove manual steps without compromising governance or judgement.

• Partner with senior team members and Data/Engineering toidentifyand scale AI/automation use cases with governance-by-design, controls, and adoption support.

Core Analytical & Delivery

• Lead end-to-end execution for assigned credits, ensuring high-quality analysis andtimelydelivery across priorities with clear accountability.

• Own surveillance/updates for assigned portfolio,synthesizingperformance, market signals, and peer context into decision-useful insights and clear implications for risk.

• Supporting LLM tools/automation being embedded to accelerate workflows, followed by structured validation and refinement using analytical judgement tomaintaintrusted conclusions.

• Operate alongside AI agents in recurring workflows.

• Prepare/review inputs, reconcile metrics, document assumptions/changes to ensure adherence to methodologies/standard operating procedures.

• Prepare/review key outputs ensuring clarity and alignment tomethodology/sector frameworks and evidentiary standards.

• Support maintenance/review of models to ensure robustness and repeatability and clear linkage to risk views.

Stakeholder & Market Engagement

• Engage with external parties alongside senior team members.

• Crafts client and executive-ready stories that translate complex data, analysis, and research into a clear narrative.Advising onissues within clear parameters,integratingand communicating complex information to convey S&P's analyticalexpertiseand drive engagement with market participants.

• Building trusted stakeholder relationships through emotionally intelligent,collaborativeand adaptable delivery.

Risk Management and Operating

• Ensure adherence tomethodology/confidentiality/data governance; escalate issues early with options/recommendations to protect integrity and trust.

• Embed responsible, governed AI use: approved tools/data only; protect confidential info.

• Drive controlled automation/agentic workflows by contributing to design requirements/controls, supporting testing/rollout, and training others.

• Supports decisions relating to guardrails for automation: defining what can be automated vs must remain human-led (especially material risk calls and committee conclusions).

Compensation/Benefits Information:(This section is only applicable to US candidates:)S&P Globalstatesthat theanticipatedbase salary range for this positionis $90,000USDto $127,000USD.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. For more information on the benefits we provide to our employees, please clickhere.

WhatWe'reLooking For:

• Experiencein affordable housing finance,either in loanunderwriting, portfolio management,real estatedevelopment, or capital raising.

• Familiarity withaffordable housingpolicies,financing structures,and funding programs,includinglow-incomehousing tax credits,housing choice vouchers (Section 8), andmortgage revenue bondprograms

• Solid foundation in financial statement analysis

Team Contribution & Capability Building

• Ownership/execution maturity across multiple credits; delivers high quality with limited oversight and modelsvalues-ledbehavior.

• Strong collaboration/relationship management; influences through credibility and constructivechallenge.

• Coaching capability that improves team consistency through shared standards and tools.

• Continuous improvement mindset.

• AI fluency with judgement.

Core Analytical & Delivery

• Strong credit/financial/risk analysis linking drivers to forward-looking views and risk appetite.

• Practical experience embedding AI/LLMs/agents into workflows to improve productivity and insight.

• Strong analytical tool capability; willingness to learn data/automation tools tofacilitateAI-enabled workflows.

Stakeholder & Market Engagement

• Strong synthesis into concise narratives for senior stakeholders/committees with transparent evidence.

• Effective written and verbal communicator, able to present research and analysis in a clear, structured way that supports informed decision making.

Risk Management and Operating

• High standardsfor quality, traceability, and governance;operateseffectively in controlled environments.

• Sound judgement on responsible AI use.

• Ability to contribute to scalable automation/agent workflows.

Additional Information

• An S&P Global employee at this level would typically havethree to fiveyears'of relevant work experience.

• 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.

• Employeesare required towork from the office a minimum of two days per week.

• 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.