Structured Finance - ABS, Senior Analyst - New York

About the role

Fitch Ratings is seeking a Senior Analyst to join the ABS Group in our New York office. The position provides opportunities to grow credit understanding across consumer ABS through monitoring macro trends and impacts to pool and ABS rating performance. The analyst will join a growing team covering consumer sectors such as auto loan and lease, credit cards, and unsecured installment loans.

Responsibilities

• Analyze key credit, legal, and structural aspects of ABS transactions.
• Support rating workflows by assisting in the analysis and monitoring of a portfolio of ABS transactions.
• Utilize cashflow models to help form opinions on future performance.
• Stay up to date on sector trends and communicate your findings effectively within the team and to external stakeholders.
• Contribute to research reports and special projects focused on sector trends.

Requirements

• You hold a BA/BS degree and have at least 3 years of relevant work experience (excluding internships).
• You have strong written and verbal communication skills.
• You are comfortable analyzing large datasets and deriving meaningful conclusions.
• You enjoy working collaboratively and have strong interpersonal skills.
• You have a good understanding of finance fundamentals and current economic conditions.
• You are eager to learn new concepts, ask questions, and grow your expertise.

Qualifications

• Direct experience with ABS credit or structured finance is a plus, but not required.
• Thoughtful perspectives on economic trends and their impact on consumer credit performance.
• Passion for analysis, attention to detail, and a desire to build a career in credit research and ratings.

Skills

• Strong written and verbal communication skills.
• Comfortable analyzing large datasets and deriving meaningful conclusions.
• Enjoy working collaboratively and have strong interpersonal skills.
• Good understanding of finance fundamentals and current economic conditions.
• Eager to learn new concepts, ask questions, and grow expertise.

Benefits

• Hybrid Work Environment: 3 days a week in office required based on your line of business and location.
• A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity.
• Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals.
• Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing.
• Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively.
• Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe.
• Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community.

Pay

Expected base pay rates for the role are between $95,000 and $110,000 per year. Actual salaries will be determined on an individual basis and may vary based on factors including, but not limited to, education, training, experience, past performance, and other job-related considerations. Base pay is one component of Fitch’s total compensation package, which may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch, depending on the position.

Schedule

Hybrid Work Environment: 3 days a week in office required based on your line of business and location.