RMBS - Associate (Dublin) at KUBRA

Dublin, County Dublin, Ireland

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Structured FinanceIndustries

Requirements

Bachelor’s degree required (advanced degree is a plus)
Three (3) or more years of relevant experience in RMBS or the rating process for similar asset types preferred
Good understanding of credit risk concepts, mortgage products and market dynamics on at least one European jurisdiction and/or the UK
Reasonably developed quantitative skills
Comfortable using Microsoft Excel, including VBA (Visual Basic for Applications), and other platforms; ability to easily manipulate and format large data sets
Ability to provide analysis to senior staff in relation to financial structures, collateral analysis and underlying businesses
Ability to analyse, summarise and present complex issues concisely at committees and in reports
Excellent communication skills (written & verbal)
Ability to work in a fast-paced environment, independently against deadlines; good time management essential
Willing and able to travel freely between the EU and UK
Working proficiency in Spanish (or another European language) is highly advantageous
Familiarity with Generative AI tools such as ChatGPT for research, data insights, and general productivity is a plus

Responsibilities

Lead ratings analyst for RMBS, including project managing the ratings process from beginning to end
Quantitative modelling of issuance structures and features and perform cash flows analysis using various applications or Intex
Prepare credit committee memos around analysis and recommendations
Write presale, new issuance and surveillance reports
Write commentaries and/or research reports on the RMBS sector across European jurisdictions
Manage expectations of internal stakeholders and external counterparties integral to KBRA ratings’ process and timelines
Communicate with market participants to express KBRA’s credit views and opinions effectively
Represent KBRA in operational risk reviews and/or conferences
Surveillance of rated transactions in RMBS and other asset classes
Apply and help develop KBRA structured finance methodologies to credit assess mortgage portfolios or other asset types

Skills

Key technologies and capabilities for this role

RMBSIntexQuantitative ModellingCash Flow AnalysisCollateral AnalysisStructured FinanceCredit RatingsSurveillanceCredit Committee Memos

Questions & Answers

Common questions about this position

What is the location for this RMBS Associate position?

The position is based in the Dublin office in Dublin, Ireland.

What salary or compensation is offered for this role?

This information is not specified in the job description.

What key skills are required for the RMBS Associate role?

Required skills include a Bachelor’s degree (advanced degree a plus), 3+ years of relevant RMBS or rating experience preferred, understanding of credit risk and mortgage products in Europe/UK, strong quantitative skills, proficiency in Excel with VBA for large data sets, and excellent communication skills.

What is the culture like in the RMBS team at KBRA?

The team focuses on high-quality, accurate, timely, and consistent credit ratings work, involving collateral and cash flow analysis across various RMBS asset classes, with support from senior members for on-the-job learning and development.

What makes a strong candidate for this RMBS Associate position?

Strong candidates have 3+ years in RMBS or similar ratings, quantitative skills with Excel/VBA, knowledge of European/UK mortgage markets and credit risk, plus the ability to analyze complex issues, communicate effectively, and work independently in a fast-paced environment.

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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