ABS - Associate (Chicago) at KUBRA

Chicago, Illinois, United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Asset-Backed Securities, Financial Services, Credit RatingsIndustries

Requirements

B.A. / B.S. degree in a relevant field of study
Minimum of three (3) to five (5) years of demonstrated experience in credit analysis within the ABS sector at a Rating Agency, Buy-Side Investor, Credit Research, or similar environment
Experience in ABS sectors, either consumer (such as auto loans, consumer loans, credit cards, etc.) or commercial/esoteric (data center, equipment, communications infrastructure, aviation etc.)
Strong Excel skills (excel test may be administered as part of the interview process)
Strong analytical skills relating to transaction evaluation, including loan credit risk assessment and analysis of asset and bond cash flows
Proficient with relevant financial modeling software (e.g. Intex)
Strong oral and written communications skills (writing sample on request)
Exceptional attention to detail
Ability to take initiative, work independently, and work closely with partners in a collaborative environment
Highly adaptable with strong critical thinking skills
Familiarity with Generative AI tools such as ChatGPT for research, data insights, and general productivity (a plus)

Responsibilities

Conduct transaction analysis including originator/servicer evaluation, collateral performance and loan pool analysis, modeling and analysis of bond structure, and review of legal structure and documentation
Assist in the preparation of credit memoranda and presentation of transactions to rating committees
Prepare and contribute to individual transaction reports for publication
Assist in the publication of market commentaries related to topical events or research
Serve as secondary contact to investors and clients or structuring banks, working under the guidance and direction of senior team members
Engage in ongoing surveillance of rated transactions and updating ratings as warranted
Attend and participate in seller/servicer due diligence, investor discussions, or industry events (which, in some cases, may require travel)

Skills

Credit Analysis

Collateral Analysis

Loan Pool Analysis

Bond Structure Modeling

Legal Structure Review

Originator Evaluation

Servicer Evaluation

Credit Memoranda

Rating Surveillance

Due Diligence

KUBRA

Customer experience management for utilities and government

About KUBRA

KUBRA provides customer experience management solutions tailored for large utility companies and government entities in North America. Their services include billing and payments, mapping, mobile applications, proactive communications, and artificial intelligence tools, all aimed at improving customer interactions and operational efficiency. KUBRA's solutions are used by over 365 clients, impacting more than 40% of households in the U.S. and Canada, resulting in over 1.5 billion customer interactions each year. The company offers various digital payment options, including partnerships with Apple Pay and Google Pay, ensuring convenience for customers. KUBRA generates revenue through subscription fees for its software and transaction fees from payment processing, allowing for steady income while expanding its offerings. The goal of KUBRA is to enhance customer engagement and streamline operations for utilities and government organizations.

Mississauga, CanadaHeadquarters

1992Year Founded

GROWTH_EQUITY_VCCompany Stage

Government & Public Sector, Fintech, AI & Machine LearningIndustries

501-1,000Employees

Benefits

Paid day off for your birthday

Flexible Work Hours

Bi-annual performance-based bonus

Professional Development Budget

Health Savings Account/Flexible Spending Account

401(k) Company Match

Risks

Emerging tech startups pose a competitive threat to KUBRA's market share.

Economic downturns may reduce budgets for KUBRA's utility clients.

Data privacy regulations could increase compliance costs for KUBRA.

Differentiation

KUBRA offers a comprehensive suite of customer experience management solutions for utilities.

KUBRA's solutions reach over 40% of households in the U.S. and Canada.

KUBRA partners with major platforms like Apple Pay and Google Pay for flexible payments.

Upsides

KUBRA's advanced analytics enhance data insights for utility companies.

Strategic partnerships with VertexOne and NorthStar expand KUBRA's market reach.

Growing demand for digital payments aligns with KUBRA's offerings.

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