ABF Cash Flow Modeling Analyst

Barings•Charlotte, NC

About The Position

At Barings, we are as invested in our associates as we are in our clients. We recognize those who work diligently for us and reward them for personal and professional integrity, communication skills, distinct competencies and expertise in specific strategies, ability to collaborate as a team member and true dedication to the interests of our clients. We thank you for your interest in joining the Barings team, and invite you to explore our current employment opportunities. Job Title: ABF Cash Flow Modeling Analyst Corporate Title: Senior Associate Department: Asset Backed Finance Location: New York, NY or Charlotte, NC Overview Barings is seeking a highly motivated individual to join its ABF (Asset-Backed Finance) team, with a dedicated focus on cash flow modeling and analytics. The individual will be responsible for building, maintaining, and overseeing cash‑flow and performance models for private consumer and commercial ABS transactions, while supporting ongoing portfolio surveillance and risk monitoring. The individual will support investment evaluation and structuring and work closely with investment professionals, risk partners, and internal stakeholders to build and maintain robust cash flow models, evaluate risk under various scenarios, and deliver clear, decision-ready analyses.

Requirements

Bachelor’s degree in Finance, Economics, Engineering, Mathematics, or a related quantitative discipline.
3-5 years of buy-side experience in asset-backed finance, structured credit, or specialty finance is preferred.
Strong Excel-based financial modeling skills with a disciplined and well-structured approach.
Experience analyzing complex financial data and communicating results to senior stakeholders.
Strong attention to detail, sound judgment, and ability to manage multiple priorities in a fast-paced environment.
Experience with Intex (or similar platforms) and Bloomberg tools.

Nice To Haves

Familiarity with consumer and/or commercial credit performance analytics is a plus.
Programming or data skills (e.g., Python, SQL, R, VBA) are beneficial but not required.

Responsibilities

Build, maintain, and enhance cash flow models for consumer and commercial asset finance transactions.
Develop, document, and validate key modeling assumptions including prepayments, defaults, losses, recoveries, seasoning, and fees.
Perform scenario, sensitivity, and stress analyses to assess structural resilience and expected returns.
Support screening, underwriting, and approval of new investments through high-quality modeling outputs and exhibits.
Analyze historical collateral performance data, stratifications, and vintage trends as part of diligence efforts.
Prepare clear written summaries and exhibits for internal approval and investment committee processes.
Refresh models for existing investments and monitor performance versus underwritten expectations.
Identify emerging risks, assumption drift, and performance trends across the portfolio.
Contribute to the standardization of modeling templates, documentation, and controls.
Collaborate with cross-functional partners including risk, operations, finance, legal, and technology.

Benefits

CORE BENEFITS & WELLNESS
Medical (including Virtual Care), Prescription, Dental, and Vision Coverage
Fitness Center Reimbursement Program (Including Online Memberships)
Employee Assistance Program (EAP)
Fertility Benefits
FINANCIAL WELL-BEING
Highly competitive 401(k) Plan with Company Match
Health Savings Account (HSA) with Company Contributions
Flexible Spending Accounts (FSA) - Health Care & Dependent Care
Retirement Health Reimbursement Account
LIFE INSURANCE
Basic and Supplemental Life Insurance
Spouse and Child Life Insurance
TIME OFF, DISABILITY AND LEAVE OF ABSENCE
Paid Vacation, Sick Days and Annual Holidays
Paid Leave of Absences (Maternity Leave, Parental Leave, Caregiver Leave, Bereavement Time)
Short and Long Term Disability Plans
Paid Volunteer Time
OTHER BENEFITS
Education Assistance Program
Charitable Matching Gifts Program
Commuter Reimbursement Program
Adoption and Surrogacy Reimbursement Program