Associate, ALM and Funding Strategy

We are growing our Finance team at our Norcross GA headquarters and are looking for a highly analytical and curious professional to join us. As an Associate focused on Asset Liability Management (ALM) and funding strategy youll help shape how Credigy funds its diverse consumer loan portfolio and manages the financial risks associated with those investments. Youll work closely with teams across Credigy and our parent company National Bank of Canada (NBC) to evaluate funding strategies analyze interest-rate risk and support strategic financial decisions across the business. If you enjoy understanding macroeconomic factors including how interest rates affect consumer loan behavior this role offers an opportunity to deepen expertise at the intersection of investments finance and financial risk management.

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

Credigy invests across a wide range of consumer-related asset classes. As an Associate on the finance team youll develop a detailed understanding of those investments and evaluate how their expected cash flows interact with the funding used to finance them. Youll also work with our Investments team to evaluate new opportunities identify potential funding risks and help develop appropriate interest rate risk management strategies. Youll broaden and deepen expertise across Credigys investment portfolio financial markets and funding activities while gaining exposure to senior leaders across the organization.

Key Responsibilities

• Support the development of funding strategies for new and existing investments including analysis of tenor structure timing and interest rate sensitivity.
• Partner with Investments and Credit teams during the evaluation of new transactions to identify funding risks and recommend strategies and structures to mitigate those risks.
• Assess and recommend Funding Risk Ratings for transactions based on their characteristics and associated funding risks.
• Analyze and monitor interest rate risk across the companys balance sheet including measures such as Economic Value of Equity (EVE) Net Interest Income (NII) Dollar Value of a Basis Point (DV01) and other ALM metrics.
• Perform scenario and sensitivity analyses to evaluate how changes in interest rates asset performance prepayments and other assumptions may affect Credigys financial risk profile.
• Support the preparation and validation of Interest Rate Risk in the Banking Book (IRRBB) analyses used to meet NBCs reporting requirements with the Office of the Superintendent of Financial Institutions (OSFI).
• Develop and maintain financial models analytical tools and reporting used to support funding decisions.
• Perform ad-hoc analyses related to interest rates new and existing investments funding and other team initiatives.
• Work closely with NBC colleagues on funding interest rate risk and related ALM matters.
• Prepare analyses and materials for senior management and other internal stakeholders translating complex financial concepts into clear and practical insights.

What Were Looking For

Required:

• Bachelors degree in Finance Economics Accounting Engineering Mathematics or another quantitative field.
• 47 years of relevant professional experience in treasury asset-liability management structured finance capital markets fixed income financial risk management investment analysis or a related quantitative finance discipline.
• Working knowledge of fixed income concepts such as duration present value yield curves and interest rate sensitivity.
• Strong financial and quantitative analytical skills.
• Advanced proficiency in Microsoft Excel including developing financial models and analytical tools.
• Strong business judgment and the ability to translate quantitative analysis into practical recommendations.
• Intellectual curiosity and desire to understand the investments and financial markets in which Credigy operates.
• Strong communication skills including the ability to explain technical concepts to non-technical audiences.
• Ability to work independently manage multiple priorities and collaborate effectively across teams.

Preferred:

• Experience with consumer lending including detailed cash flow analysis.
• Familiarity with funding markets interest rate derivatives or liquidity risk management.
• Experience with SQL Bloomberg or other financial and data analysis tools.
• Experience with Quantitative Risk Management (QRM) software is a plus.

A Note to Applicants

If this role excites you but you dont check every box we encourage you to apply. Direct ALM experience is helpful but not required if you bring strong financial and analytical skills relevant experience in treasury structured finance capital markets or financial risk and a demonstrated ability to learn complex concepts. We value curiosity analytical thinking a willingness to learn and a collaborative spirit.

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. Youll 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 youll 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.

Where & How Youll Work

This role is based at Credigys corporate headquarters in Norcross GA. The Finance team generally prioritizes in-office collaboration on Tuesdays and Thursdays with additional days based on role and team needs. New colleagues should expect to spend more time in the office during their first few months to accelerate onboarding and relationship-building. Within those team expectations youll work with your manager to build a personalized flexibility arrangement through Credigys Flex Werk program because we believe the best work happens when people have the support and autonomy to work in ways that work for them.

About 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 havent heard of us yet were 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.

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 havent heard of us yet were 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.