Description:
The Financial Services practice delivers forward-looking credit insights on banks, insurers, and other financial institutions — assessing capital strength, funding and liquidity, asset quality, governance, and operating environments to inform rating opinions that markets rely on. The practice supports stakeholders in understanding how evolving risks — from regulation and macro shifts to digital assets and decentralized finance — can affect financial stability and credit performance.
The Insurance Ratings team comprises analysts based across the U.K., France, Germany, UAE, and South Africa, covering a portfolio of primary insurers and reinsurers across the UK, Central Asia, the Middle East, and Africa. This role is primarily focused on issuers in Central Asia and the Middle East.
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 leveraging technology with human expertise, we help our teams navigate complexity and deliver actionable, decision-ready intelligence without compromising quality, accountability, or integrity.
Responsibilities
Team Contribution & Capability Building
- Guide and coach Research Assistants and Rating Analysts in credit analysis, data discipline, and analytical tooling; create reusable assets and propose automation improvements that free capacity for higher-value human analysis and relationship work.
Core Analytical & Delivery
- Lead end-to-end credit analysis and surveillance for assigned insurance 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
- 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
Required Skills and Experience
- Demonstrable expertise in insurance industry and company analysis, with a solid understanding of insurance markets, business environments, and relevant regulations, particularly in the U.K., Middle East, and Central Asia.
- Strong ability to understand accounting concepts and analyze insurance company financial statements.
- Strong credit, financial, and risk analysis skills, with the ability to link fundamental drivers to forward-looking views and risk appetite.
- 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.
- Willingness to travel, sometimes at short notice.
- English: Required — Fluent (able to conduct meetings, collaborate effectively, and communicate clearly in writing and verbally). Arabic: Preferred — Professional working proficiency (able to communicate clearly at work in everyday situations and write professional messages). Russian: Preferred — Professional working proficiency (able to communicate clearly at work in everyday situations and write professional messages).
Preferred Or Helpful Experience
- Prior credit analysis experience covering non-life, life insurance, and reinsurance sectors.
- Coaching capability that improves team consistency through shared standards and tools, with a continuous improvement mindset.
- 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
- An S&P Global employee at this level would typically have 3 to 5 years of relevant experience in insurance credit analysis or financial services.
- 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.
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