Credit Investor, Pricing Analyst

Aqua Finance, Inc.

Credit Analyst evaluates credit impact of consumer financing structures for Aqua Finance. Collaborates across teams for pricing strategies and financial modeling to optimize risk-adjusted returns.

Posted 5/15/2026full-timeRemote • 🇺🇸 United StatesSeniorLeadWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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
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

Benefits

Comp & perks

flexible and consumer-friendly financing programs
Home office setup allowance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial modelingcredit analysistrend reportingsensitivity analysisportfolio analysiscredit risk fundamentalsstructured finance productscredit metricsdata insightsrisk mitigation strategies

Soft Skills

strong written communicationstrong verbal communicationcollaborationrelationship buildingstakeholder communicationanalytical thinkingproblem-solvingpresentation skillscross-functional teamworkinsight communication