ABS Commercial - Director (NY) at KUBRA

New York, New York, United States

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Asset-Backed SecuritiesIndustries

Requirements

More than ten (10) years of demonstrated experience in credit analysis within the ABS sector at a rating agency, buy-side investor, credit research, or similar environment. Direct experience with both consumer and commercial ABS asset classes is a plus
Meaningful experience across commercial/esoteric ABS sectors (data center, equipment, communications infrastructure, aviation etc.)
Strong Excel skills (excel test may be administered as part of the interview process)
Ability to take initiative, work independently, and work closely with partners in a collaborative environment
Strong analytical skills relating to transaction evaluation, including asset credit risk assessment, and analysis of asset and bond cash flows
Demonstrated ability to make independent, well-reasoned credit decisions under time-sensitive conditions
Proficient with relevant financial modeling software (e.g. Intex)
Strong oral and written communications skills (writing sample on request)
Exceptional attention to detail

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
Serve as lead analyst and primary contact with clients, deal arrangers and investors on transactions
Prepare or assist in the preparation of credit memoranda and presentation of transactions to rating committees, and transaction reports for publication
Lead the development of rating methodologies (as necessary), and special topic and market commentaries
Surveil and monitor rated transactions and update existing ratings as warranted
Attend and participate in investor discussions or industry events (which may require travel)
Manage a team of junior analysts, mentoring and fostering their professional development

Skills

Key technologies and capabilities for this role

ExcelCredit AnalysisFinancial ModelingCollateral AnalysisLoan Pool AnalysisBond Structure AnalysisABSRating MethodologiesServicer Evaluation

Questions & Answers

Common questions about this position

What is the salary range for the ABS Commercial - Director position?

The anticipated annual base salary range is $150,000 to $175,000, with offer amounts determined by factors such as experience, skills, geography, and other job-related factors.

What is the work arrangement or location policy for this role?

The position is based in New York, NY with a hybrid work schedule requiring Tuesdays, Wednesdays, and Thursdays in the office.

What are the key skills required for this Director role?

Candidates need more than 10 years of credit analysis experience in the ABS sector, strong Excel skills, proficient financial modeling with software like Intex, strong analytical skills for transaction evaluation, and excellent oral and written communication skills.

What benefits are offered for this position?

Benefits include a hybrid work schedule, competitive benefits and paid time off, paid family and disability leave, 401(k) plan with employer match (100% vested), and educational and professional development financial assistance.

What makes a strong candidate for this ABS Director role?

A strong candidate has over 10 years of ABS credit analysis experience, experience across commercial/esoteric ABS sectors, strong Excel and modeling skills, ability to lead teams and make independent credit decisions, and excellent communication skills.

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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