Senior Analyst, Financials (I&G)

3M HEALTHCARE; San Diego (CA); On-site; USD 136,000 - 190,500; Full time

Benefits offered by this job

Health/dental/vision/life insurance

401(k) match up to 6%

Cash balance retirement plan

Tuition reimbursement

Paid time off and holidays

Volunteer time

Job summary

Voya Investment Management is seeking a Research Analyst to join its Income & Growth team, responsible for generating high-conviction investment insights across the US Financial Services sector. The analyst will work closely with portfolio managers to drive stock selection within the sector and deliver robust investment theses.

You will develop detailed financial models, assess banks and insurers, and present actionable recommendations to inform investment decisions and risk management.

Qualifications

• 7–10 years in equity or credit research or related roles focusing on financial institutions.
• Deep understanding of bank and insurance financial statements and sector valuation methods.
• Demonstrated ability to generate differentiated insights and investment ideas.
• Exceptional financial modeling, analytical and critical-thinking skills.
• Strong communication skills for internal and external stakeholders.
• Advanced degree (MBA/MS Finance) or CFA preferred.
• High integrity and intellectual curiosity.

Responsibilities

• Lead fundamental research coverage of banks, insurers, fintech platforms, and other finance companies.
• Develop financial models, valuation frameworks, and scenario analyses for performance and capital structures.
• Produce actionable investment recommendations supported by rigorous analysis.
• Monitor sector developments, regulatory changes, and macro trends affecting investments.
• Partner with portfolio managers to shape strategy, position sizing, and risk management.
• Present theses and risk analyses to the investment committee with clarity.
• Identify mispriced securities and thematic opportunities across the capital structure.

Skills

Financial modeling

Equity research

Credit research

Bank/insurance sector knowledge

Communication

Analytical thinking

MBA/MS Finance or CFA

Integrity

Education

MBA or MS Finance

CFA designation

Job description

Profile Summary

Voya Investment Management is seeking a Research Analyst to join its Income & Growth team, responsible for generating high‑conviction investment insights across the US Financial Services sector. The analyst will work as part of a team to drive the process of stock selection within the US Financial Services sector in collaboration with portfolio managers on the platform.

Responsibilities

• Lead fundamental research coverage of financial institutions, including banks, insurance companies, fintech platforms, and other specialty finance businesses.
• Develop detailed financial models, valuation frameworks, and scenario analyses to assess company performance, capital structure, regulatory impacts, and macro sensitivities.
• Produce high‑quality, actionable investment recommendations supported by rigorous analysis and industry insight.
• Monitor sector developments, regulatory changes, competitive dynamics, and macroeconomic trends that influence investment outcomes.
• Partner closely with portfolio managers to shape investment strategy, position sizing, and risk management decisions.
• Present investment theses, risk assessments, and ongoing updates to the investment committee with clarity and conviction.
• Identify mispriced securities and thematic opportunities across the capital structure (equity, credit, hybrids, preferred, etc., depending on firm mandate).

Knowledge & Experience

• 7-10 years of experience in equity or credit research, investment management, investment banking, or consulting with a focus on financial institutions.
• Deep understanding of bank and insurance company financial statements, regulatory capital frameworks, and sector‑specific valuation methodologies.
• Demonstrated ability to generate differentiated insights and a track record of successful investment recommendations.
• Exceptional financial modeling, analytical, and critical‑thinking skills.
• Strong communication skills, with the ability to articulate complex ideas clearly to both internal and external stakeholders.
• Advanced degree (MBA, MS Finance) or professional designation (CFA) preferred.
• High level of integrity, intellectual curiosity, and commitment to excellence.

Compensation

Annual base salary range: $136,000 – $190,500 USD, with incentive opportunities based on performance. Compensation is influenced by geographic location, experience, and other factors.

Benefits

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

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 are available for individuals with disabilities.