Assistant Vice President, Private Credit Analyst

Voya Financial, Inc.; New York (NY); Hybrid; USD 125,000 - 135,000; Full time

Benefits offered by this job

Health insurance

401(k) Matching

Tuition reimbursement

Paid time off

Volunteer time

Job summary

Voya Financial, Inc. is seeking a Senior Private Credit Analyst to source and manage asset-based finance investments across the full lifecycle. You will evaluate, underwrite, and execute opportunities, lead due diligence, and develop financial models to support investment decisions.

The role emphasizes credit analysis, structured finance expertise, and collaboration with portfolio management and legal teams. A CFA or similar credentials plus 3–5 years in capital markets is preferred.

Qualifications

• Bachelor’s degree; CFA designation or equivalent preferred.
• 3–5 years in capital markets at a bank/asset manager/buy-side; structured/asset-based finance experience required.
• Proven credit analysis skills and ability to assess risk in asset-backed/structured finance.
• Advanced data analysis and modeling; Excel-based cash flow and scenario modeling; Python preferred.
• Knowledge of transaction docs, covenants, protections, and creditor remedies.
• Strong written and verbal communication for senior stakeholders.
• Proficiency with AI-enabled tools in investment analysis with governance.

Responsibilities

• Source and manage asset-based finance investments through full lifecycle.
• Evaluate private credit and structured finance opportunities and lead due diligence.
• Develop financial models and present investment recommendations to committees.
• Monitor credit quality and deal compliance; coordinate with borrowers, sponsors, and advisors.
• Maintain investment records and support portfolio management activities.
• Collaborate cross-functionally to improve monitoring tools and reporting.

Skills

Credit analysis

Financial modeling

Data analysis

Python

Excel

Education

Bachelor’s degree

CFA designation

Tools

Python

Excel

Job description

Together we fight for everyone’s opportunity for a better financial future. We will do this together - with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyone’s access to opportunities. The status quo is not good enough … we believe every individual and every community deserves access to financial opportunities. We are determined to support both individuals and communities in reaching a better financial future. We know that reaching this future depends on our actions today. Like our Purpose Statement, Voya believes in being bold and committed to action. We are committed to a work environment where the differences that we are born with - and those we acquire throughout our lives - are understood, valued and intentionally pursued. We believe that our employees own our culture and have a responsibility to foster an environment where we all feel comfortable bringing our whole selves to work. Purposefully bringing our differences together to positively influence our culture, serve our clients and enrich our communities is essential to our vision.

Are you ready to join a company with a strong purpose and a winning culture?

Get to Know the Opportunity

Collaborate with senior analysts and portfolio managers to source and manage asset-based finance investments for client portfolios across the full investment lifecycle - from origination and underwriting through execution and ongoing monitoring.

The Contributions You Will Make

I. Asset Selection

Evaluate, underwrite, and execute private credit, structured finance, and alternative investment opportunities, including screening new transactions, assessing relative value, and formulating investment recommendations. Review and analyze data including collateral tapes, financial statements and other underlying asset-level information to assess credit quality and investment risk. Lead transaction due diligence and execution, coordinating with issuers, sponsors, investment banking advisors, counsel, and internal stakeholders to manage timelines and drive transactions through closing. Negotiate key economic, structural, and documentation terms with issuers, sponsors, and their advisors. Develop and analyze financial models, including cash flow forecasts, sensitivity analyses, and stress scenarios, to support underwriting and investment decisions. Prepare and present investment recommendations, underwriting analyses, and diligence findings to senior members of the Private Credit group and Investment Committee. Collaborate across investment teams to share market insights, underwriting perspectives, and lessons learned to support investment decision-making and portfolio management.

II. Portfolio Monitoring

Monitor financial performance and credit quality of private credit assets, including compliance with deal triggers and covenants. Maintain regular communication with borrowers, sponsors, servicers, agents, and other transaction counterparties. Support ongoing portfolio management activities, including funding requests, investor reporting, and responses to ad hoc client requests. Maintain complete and accurate investment records, transaction documentation, and monitoring materials for assigned portfolio assets. Evaluate amendment and waiver requests in coordination with senior investment professionals and legal counsel; prepare recommendations and obtain required approvals. Conduct ongoing research and monitoring of borrowers, industries, and asset classes to identify emerging risks, market developments, and investment opportunities. Partner with Portfolio Management, Operations, and Technology teams to develop and enhance tools, processes, and reporting capabilities that improve investment monitoring and the capture of key transaction terms and risks.

Minimum Knowledge and Experience

• Minimum Bachelor’s degree; CFA Designation or equivalent preferred.
• Minimum of 3-5 years of capital markets experience at an investment bank, asset manager, or buy-side institution; specific experience in structured finance and asset-based finance is required.
• Demonstrated credit analysis skills, including the ability to assess the creditworthiness, structure, investment merits and key risks of asset-based and structured finance transactions.
• Advanced data analysis and structured finance modeling skills are essential, including Excel-based cash flow and scenario modeling; Python programming experience is preferred.
• Strong understanding of transaction documentation, covenant frameworks, structural protections, and creditor remedies across private credit and structured finance transactions.
• Strong written and verbal communication skills, including the ability to present complex investment analyses and recommendations clearly and concisely to senior stakeholders.
• Proficiency in AI-enabled tools and their effective application to investment analysis and operational workflows, including appropriate controls, validation, governance and human oversight.
• Exceptional attention to detail and organizational skills, with the ability to manage complex transactions and multiple workstreams simultaneously.
• Strong understanding of financial accounting principles including U.S. GAAP and IFRS, as well as their application to credit analysis.
• Commercially oriented and proactive, with the ability to engage effectively with issuers, borrowers, sponsors, advisors, transaction counterparties, and institutional clients.
• Intellectually curious and collaborative, with sound judgment, a high degree of initiative, and a strong commitment to client service and team success.

Compensation Pay Disclosure

Voya is committed to pay that’s fair and equitable, which means comparable pay for comparable roles and responsibilities. The below annual base salary range reflects the expected hiring range(s) for this position in the location(s) listed. In addition to base salary, Voya offers incentive opportunities (i.e., annual cash incentives, sales incentives, and/or long-term incentives) based on the role to reward the achievement of annual performance objectives. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Voya Financial is willing to pay at the time of this posting. Actual compensation offered may vary from the posted salary range based upon the candidate’s geographic location, work experience, education licensure requirements and/or skill level and will be finalized at the time of offer. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

$125,000 to $135,000 USD

Be Well. Stay Well. Voya provides the resources that can make a difference in your lives. To us, this means thriving physically, financially, socially and emotionally. Voya benefits are designed to help you do just that. That’s why we offer an array of plans, programs, tools and resources with one goal in mind: To help you and your family be well and stay well.

What We Offer

• Health, dental, vision and life insurance plans
• 401(k) Savings plan - with generous company matching contributions (up to 6%)
• Voya Retirement Plan - employer paid cash balance retirement plan (4%)
• Tuition reimbursement up to $5,250/year
• Paid time off - including 20 days paid time off, nine paid company holidays and a flexible Diversity Celebration Day.
• Paid volunteer time - 40 hours per calendar year

Learn more about Voya benefits (download PDF)

Critical Skills

• Customer Focused: Passionate drive to delight our customers and offer unique solutions that deliver on their expectations.
• Critical Thinking: Thoughtful process of analyzing data and problem solving data to reach a well-reasoned solution.
• Team Mentality: Partnering effectively to drive our culture and execute on our common goals.
• Business Acumen: Appreciation and understanding of the financial services industry in order to make sound business decisions.
• Learning Agility: Openness to new ways of thinking and acquiring new skills to retain a competitive advantage.

Equal Employment Opportunity

Voya Financial is an equal-opportunity employer. Voya Financial provides equal opportunity to qualified individuals regardless of race, color, sex, national origin, citizenship status, religion, age, disability, veteran status, creed, marital status, sexual orientation, gender identity, genetic information, or any other status protected by state or local law.

Reasonable Accommodations

Voya is committed to the inclusion of all qualified individuals. As part of this commitment, Voya will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please reference resources for applicants with disabilities.

Misuse of Voya's name in fraud schemes

Voya Financial, Inc., is a leading retirement, employee benefits and investment management company. Voya’s services and solutions help clear the path to financial confidence and a more fulfilling life for individual, workplace and institutional clients, supporting more than 18 million customer relationships.

Certified as a Great Place to Work by the Great Place to Work Institute, Voya fosters a culture that values customer centricity, integrity, accountability, agility and inclusivity. Together with customers and partners, Voya employees fight for everyone’s opportunity for a better financial future.

Voya’s values

Voya’s values serve as our compass, bringing together our culture, performance, brand, vision, strategy and corporate responsibility activities. Our values guide our decision-making and behaviors allowing us to deliver worth to our customers, distribution partners, shareholders and each other. With a lens on balance, health & welfare, our work environment offers flexibility. The majority of our roles have adopted a hybrid schedule - working some days in the office and some days remotely, providing flexibility for work-life balance and still allowing the benefit of in-person collaboration. Some functions will continue to be 100% on-site and others may be fully remote, depending on business needs.

We care We do the right thing We have customer passion We have a winning spirit We are the We Certified by the Great Place to Work Institute as a Great Place to Work for the 10th consecutive year, Voya is equally committed to conducting business in a way that is socially, environmentally, economically and ethically responsible. Voya’s culture is proudly recognized by multiple organizations. See a full listing of our awards and recognition.