The Credit Investor & Pricing Analyst evaluates the credit impact of complex consumer financing structures—including asset-backed securitizations (ABS), warehouse credit facilities, and other structured finance vehicles—and supports the pricing of new consumer loans to optimize risk-adjusted returns.

Essential Functions

Analyze complex financing structures and underlying collateral pools, including ABS transactions and warehouse facilities
Develop trend reporting to track actual vs. modeled performance across structural features such as credit enhancements, advance rates, covenants, loss triggers, and prepayment rates
Assess how structural components impact deal performance and return profiles
Build and maintain financial models to project returns on consumer loan portfolios and funding costs
Support pricing strategies for new consumer loans to optimize profitability and risk-adjusted returns
Conduct sensitivity analyses (e.g., default rates, credit costs, product structure) to inform pricing and risk mitigation decisions
Recommend interest rates, yield targets, and advance rates based on data insights and market benchmarks
Support structuring of financing transactions by recommending credit enhancements and risk mitigation strategies
Evaluate and suggest collateral requirements, triggers, and covenants (e.g., delinquency or loss triggers)
Partner with senior team members to optimize deal structures for investor protection and capital efficiency
Collaborate with Credit, Finance, Capital Markets, and Servicing teams to develop reporting and financial models
Partner with Credit Analytics to ensure consistency in assumptions and outputs
Clearly communicate insights and recommendations to stakeholders, including senior leadership

Required Education and Experience

Bachelor’s degree in Finance, Economics, Business, or a related field is required, or commensurate work experience, required
7 years of experience in credit analysis, financial modeling, or a related role within financial services
Experience in consumer lending, structured finance, banking, or credit investing strongly preferred
Strong 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, default rates, and credit enhancement techniques
Advanced proficiency in Excel and financial modeling
Experience building cash flow models, performing sensitivity analyses, and working with large datasets
Familiarity with portfolio analysis techniques (e.g., cohort, vintage/static pool analysis)
Experience with SQL, Python, or similar tools is a plus
Strong written and verbal communication skills with the ability to present complex analysis clearly
Proven ability to collaborate cross-functionally and build effective working relationships

Physical Demands

While performing the duties of this job, the employee is frequently required to sit, stand, walk, visualize, talk, hear, and handle or touch objects or controls. The employee may occasionally lift, push, or pull up to 20 pounds. This position is an office-based position where you must be able to sit for long periods of time. The employee will be working on a computer 90% of the time.