Credit Investor and Pricing Analyst

Aqua Finance, Inc. • Bartlett, TN

1d • Onsite

About The Position

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.

Requirements

• 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
• 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)
• 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

Nice To Haves

• Experience in consumer lending, structured finance, banking, or credit investing strongly preferred
• Experience with SQL, Python, or similar tools is a plus

Responsibilities

• 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

Benefits

• We succeed when you succeed and celebrate what you bring to Aqua.
• Here are Aqua, we say “Yes” to helping you succeed!
• Beyond finding your dream career, we aim to be a first-choice employer.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level