Structured Finance - Asset-Backed Securities, Senior Analyst - New York

Fitch Ratings; New York (NY); On-site; USD 95,000 - 110,000; Full time

Benefits offered by this job

Hybrid work options

Training & mentorship

Retirement planning

Healthcare benefits

Parental leave

Job summary

Fitch Ratings is seeking a Senior Analyst to join the Asset Backed Securities (ABS) group in New York or Chicago. You will develop credit views, monitor performance trends, and analyze consumer ABS like auto loans, credit cards, and unsecured installments.

The role emphasizes strong communication and teamwork within a growing, global research team. You will analyze credit and legal aspects of ABS deals, support rating workflows, and use cashflow models to assess performance.

Qualifications

• BA/BS degree required.
• 3+ years of relevant work experience (excluding internships).
• Strong written and verbal communication skills.
• Ability to analyze large datasets and derive insights.
• Interest in credit research and ABS is desirable.

Responsibilities

• Analyze key credit, legal, and structural aspects of ABS transactions.
• Support rating workflows by assisting in analysis and monitoring of a portfolio of ABS transactions.
• Utilize cashflow models to form opinions on future performance.
• Stay up to date on sector trends and communicate findings within the team and to external stakeholders.
• Contribute to research reports and special projects focused on sector trends.

Skills

Written and verbal communication

Analytical thinking

Interpersonal skills

Finance fundamentals

Education

BA/BS degree

Job description

Structured Finance - Asset-Backed Securities, Senior Analyst - New York

Requisition ID: 50305

Business Unit: Fitch Ratings

Category: Credit Analysis & Research

Location: New York, NY, US

Date Posted: Jul 14, 2026

Fitch Ratings is seeking a Senior Analyst to join the ABS Group in our New York or Chicago office.

Fitch Ratings is adding a highly motivated professional to the Asset Backed Securities (ABS) team as a Senior Analyst. The position provides opportunities to grow credit understanding across consumer ABS through monitoring macro trends and impacts to pool and ABS rating performance. The analyst will join a growing team covering consumer sectors such as auto loan and lease, credit cards, and unsecured installment loans.

Successful candidates should demonstrate the ability to develop credit views, have experience analyzing performance trends and have strong communication skills (written and verbal).

About the Team

• Develop your presence in the ABS market while broadening your knowledge across different sectors, structures, and markets.
• Join a collaborative, global team dedicated to producing timely, insightful, and forward-looking credit analysis and research that informs the debt capital markets.

How You’ll Make an Impact

• Analyze key credit, legal, and structural aspects of ABS transactions.
• Support rating workflows by assisting in the analysis and monitoring of a portfolio of ABS transactions.
• Utilize cashflow models to help form opinions on future performance.
• Stay up to date on sector trends and communicate your findings effectively within the team and to external stakeholders.
• Contribute to research reports and special projects focused on sector trends.

You May be a Good Fit if

• You hold a BA/BS degree and have at least 3 years of relevant work experience (excluding internships).
• You have strong written and verbal communication skills.
• You are comfortable analyzing large datasets and deriving meaningful conclusions.
• You enjoy working collaboratively and have strong interpersonal skills.
• You have a good understanding of finance fundamentals and current economic conditions.
• You are eager to learn new concepts, ask questions, and grow your expertise.

What Would Make You Stand Out

• Direct experience with ABS credit or structured finance is a plus, but not required.
• Thoughtful perspectives on economic trends and their impact on consumer credit performance.
• Passion for analysis, attention to detail, and a desire to build a career in credit research and ratings.

Why Choose Fitch

• Hybrid Work Environment: 3 days a week in office required based on your line of business and location.
• A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity.
• Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals.
• Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing.
• Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively.
• Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe.
• Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community.

Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interest or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch is proud to be an Equal Opportunity and Affiliated Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.

FOR NEW YORK: Expected base pay rates for the role are between $95,000 and $110,000 per year. Actual salaries will be determined on an individual basis and may vary based on factors including, but not limited to, education, training, experience, past performance, and other job-related considerations. Base pay is one component of Fitch’s total compensation package, which may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch, depending on the position.