Associate, Financial Risk Analytics

Credigy's Financial Risk Analytics team sits at the intersection of data, finance, and strategic decision-making — and we're looking for an Associate who's ready to own a meaningful piece of that work. In this role, you'll build and maintain the data infrastructure that powers our cashflow modeling, drive rigorous portfolio analysis, and help the business understand and manage financial risk across a complex, global investment portfolio. You'll also lead and develop a Senior Analyst, making this a rare opportunity to grow as both a technical expert and a people leader. If you're energized by hard problems, large datasets, and work that directly informs how we invest, this role is for you.

Please note that we are unable to provide visa sponsorship for this role. Candidates must be legally authorized to work in the United States now and in the future without employer sponsorship.

About the Role

As an Associate on the Financial Risk Analytics team, you'll report to the Senior Manager of Financial Risk Analytics and directly manage one Senior Analyst, with the potential to grow the team over time. You'll develop deep expertise in Credigy's investment portfolio — including core valuation assumptions and projected cash flow drivers — and build the analytical infrastructure that keeps our modeling workflows running. Success in this role means bringing both technical precision and intellectual curiosity to every problem, and communicating your findings clearly to stakeholders across the business.

Key Responsibilities

• Develop expert-level knowledge of the company's current investments, including core valuation assumptions and projected cash flow drivers.
• Build and maintain data pipelines for both third-party and internal data sources to support ongoing modeling and analytics workflows.
• Develop and enhance financial models to forecast cash flows and economic returns; execute bulk scenario runs to stress test portfolio performance under a range of economic conditions.
• Monitor portfolio performance against expectations, incorporating macroeconomic research and third-party data to holistically assess financial risk and inform mitigation decisions.
• Lead and develop a Senior Analyst, providing day-to-day guidance, mentorship, and oversight of work product.

What We're Looking For

Required:

• Bachelor's degree in Finance, Economics, Engineering, Mathematics/Statistics, or another quantitative field.
• 4+ years of experience in financial analytics, credit risk, or a related quantitative discipline.
• Advanced proficiency in Python (pandas, numpy, and related libraries) — Python is the primary tool in this role.
• Experience with SQL and cloud data platforms (Snowflake preferred).
• Strong understanding of cashflow modeling, financial risk concepts, and economic return analysis.
• Demonstrated experience building and maintaining data pipelines.
• Highly curious and self-motivated, with a strong sense of priority and commitment to deadlines.

Preferred:

• Prior experience leading or mentoring junior analysts.
• Knowledge of Expected Credit Loss (ECL) frameworks such as CECL or IFRS 9.
• Familiarity with applying machine learning models in a credit or financial context.
• Experience with Tableau or Python-based visualization frameworks (e.g., Streamlit, Plotly Dash).
• Exposure to consumer finance or consumer debt portfolios.
• Comfort using AI tools — including large language models — to accelerate analytical workflows such as code generation, data exploration, and documentation.

The Credigy Experience

Credigy offers a comprehensive benefits package including medical, dental, and vision coverage through Cigna — with Credigy covering a significant portion of premiums — plus STD, LTD, and basic life insurance at no cost to you. You'll also have access to a 401(k) with company match, generous PTO, paid parental leave, volunteer time off through Credigy Cares, and a range of workplace perks designed to support how you work best — from a thoughtfully equipped office environment to the technology and tools that help you do your best work. Beyond the benefits, you'll join a team recognized year-over-year as a Top Workplace nationally and in Atlanta, with a personalized Flex Werk program, real opportunities for career growth, and a culture built around people who are bold, curious, and supportive.

A Note to Applicants

If this role excites you but you don't check every box, we encourage you to apply. We value curiosity, a willingness to learn, and a collaborative spirit just as much as direct experience.

Where & How You'll Work

This role is based at Credigy's corporate headquarters in Norcross, GA. From day one, you'll work with your manager to build a personalized flexibility arrangement through Credigy's Flex Werk program — because we believe the best work happens when people have the support and autonomy to work in a way that works for them.

Founded in 2001, Credigy is a global specialty finance company with flexibility across the capital structure to acquire or finance a broad range of consumer assets. We are a wholly-owned subsidiary of National Bank of Canada (NBC) and our $9.1B+ portfolio represents 400+ deals and $32B+ in total investments life-to-date. We are the partner of choice when financial institutions face complex challenges and strategic changes. If you haven't heard of us yet, we're okay with that — we focus on serving our business partners, not making a name for ourselves.

We are proud of our people-first company culture that has been recognized year-over-year as a Top Workplace both in Atlanta and nationally. What matters to you, matters to us so we go beyond the usual benefits to offer meaningful perks that support professional growth, personal connection, and a life outside the office. Early in the hiring process, we partner with you on our innovative, personalized flexible work program to maximize compatibility between your needs and the business from day one. Our priority is hiring top talent and helping you create a career you love.

Credigy is a workplace that is free of discrimination and full of opportunity. We prioritize diversity, inclusion, and belonging, and we are dedicated to unbiased recruiting, hiring, and employment practices. Authenticity goes a long way at Credigy, and we get excited about the privilege of hiring people from diverse backgrounds. We are proud to be an Equal Opportunity Employer and commit to ensuring all applicants and employees are considered based on their qualifications and merit, without regard to race, ethnicity, religion, national origin, sex, sexual orientation, gender identity, age, veteran status, citizenship, disability, pregnancy, or any other status protected by law. We expect each employee to support this policy in our daily operations and we do not tolerate discriminatory practices or harassment in any form. No matter how you identify, or what background or industry you come from, we welcome you and feel honored you are considering opportunities at Credigy.

Founded in 2001, Credigy is a global specialty finance company with flexibility across the capital structure to acquire or finance a broad range of consumer assets. We are a wholly-owned subsidiary of National Bank of Canada (NBC) and our $9.1B+ portfolio represents 400+ deals and $32B+ in total investments life-to-date. We are the partner of choice when financial institutions face complex challenges and strategic changes. If you haven’t heard of us yet, we’re okay with that — we focus on serving our business partners, not making a name for ourselves.

We are proud of our people-first company culture that has been recognized year-over-year as a Top Workplace both in Atlanta and nationally. What matters to you, matters to us so we go beyond the usual benefits to offer meaningful perks that support professional growth, personal connection, and a life outside the office. Early in the hiring process, we partner with you on our innovative, personalized flexible work program to maximize compatibility between your needs and the business from day one. Our priority is hiring top talent and helping you create a career you love.

Credigy is a workplace that is free of discrimination and full of opportunity. We prioritize diversity, inclusion, and belonging, and we are dedicated to unbiased recruiting, hiring, and employment practices. Authenticity goes a long way at Credigy, and we get excited about the privilege of hiring people from diverse backgrounds. We are proud to be an Equal Opportunity Employer and commit to ensuring all applicants and employees are considered based on their qualifications and merit, without regard to race, ethnicity, religion, national origin, sex, sexual orientation, gender identity, age, veteran status, citizenship, disability, pregnancy, or any other status protected by law. We expect each employee to support this policy in our daily operations and we do not tolerate discriminatory practices or harassment in any form. No matter how you identify, or what background or industry you come from, we welcome you and feel honored you are considering opportunities at Credigy.