Credit Investor, Pricing Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Analyze intricate financing structures and the associated collateral pools, including ABS transactions and warehouse facilities.

• Develop trend reports to monitor actual performance versus modeled performance across various structural features such as credit enhancements, advance rates, covenants, loss triggers, and prepayment rates.

• Evaluate the impact of structural components on deal performance and return profiles.

• Construct and maintain financial models to project returns on consumer loan portfolios and funding expenses.

• Assist in formulating pricing strategies for new consumer loans to maximize profitability and risk-adjusted returns.

• Perform sensitivity analyses (e.g., default rates, credit costs, product structure) to guide pricing and risk mitigation choices.

• Recommend interest rates, yield targets, and advance rates informed by data insights and market benchmarks.

• Aid in structuring financing transactions by proposing credit enhancements and risk mitigation strategies.

• Assess and recommend collateral requirements, triggers, and covenants (e.g., delinquency or loss triggers).

• Collaborate with senior team members to enhance deal structures for investor protection and capital efficiency.

• Work alongside Credit, Finance, Capital Markets, and Servicing teams to develop reporting and financial models.

• Partner with Credit Analytics to ensure alignment in assumptions and outputs.

• Effectively communicate insights and recommendations to stakeholders, including senior leadership.

⛳️ Requirements

• A Bachelor’s degree in Finance, Economics, Business, or a related field is essential, or equivalent professional experience is required.

• A minimum of 7 years of experience in credit analysis, financial modeling, or a similar role within the financial services sector.

• Comprehensive understanding of credit risk fundamentals and structured finance products.

• Familiarity with consumer lending products (e.g., personal loans, auto loans, credit cards, student loans) and their funding structures (ABS, warehouse facilities).

• Knowledge of credit metrics such as FICO, debt-to-income ratios, default rates, and credit enhancement techniques.

• Advanced skills in Excel and financial modeling.

• Familiarity with portfolio analysis techniques (e.g., cohort, vintage/static pool analysis).

• Experience with SQL, Python, or similar tools is advantageous.

• Strong written and verbal communication abilities, capable of presenting complex analyses clearly.

• Proven track record of collaborating cross-functionally and fostering effective working relationships.

🏝️ Benefits

• Flexible and consumer-centric financing programs.

• Home office setup allowance.