Finance Manager - Bank H/F

Structured Finance - Director, Asset-Backed Securities (Auto ABS)
Fitch Ratings is adding a highly motivated credit professional to the Asset-Backed Securities (ABS) team as a Director. This position will focus on Auto ABS, including prime and subprime auto loans, auto leases, dealer floor plan, auto fleet, and rental car securitizations — spanning the largest captive finance companies and bank lenders to specialty and emerging platforms. The candidate will need to be flexible to work within this broad auto finance space with motivation to cross-learn other ABS sectors.
Successful candidates should demonstrate previous experience in auto lending, vehicle finance, or ABS and an ability to lead new transaction analysis and independently formulate credit views. This position offers the opportunity to lead and manage projects focusing on the oversight and strategic development of auto ABS transactions and sector coverage across major captive and bank issuers, specialty lenders, fleet operators, and emerging platforms.
Oversee the monitoring of existing auto ABS ratings and direct new rating assignments across auto loan, lease, dealer floor plan, fleet, and rental car securitization structures.
Provide leadership in analyzing credit, legal, and structural elements of complex auto ABS transaction structures, including residual value risk, fleet depreciation, and borrower credit performance.
Ensure the production of high-quality written reports, including credit committee presentations, criteria development, and market commentary.
Represent Fitch in communicating rating methodologies and criteria to senior stakeholders, issuers, and investors.
Lead major research initiatives and drive the development of new or updated criteria within the auto ABS sector.
Cultivate and enhance relationships across the very large auto finance, fleet management, and vehicle lending market.
You hold a BA/BS degree and a minimum of 7 years of work experience. Direct experience in auto finance or auto ABS – buy-side, sell-side, or at a rating agency is preferred.
You have demonstrable understanding of auto loan and lease performance metrics and direct experience analyzing vehicle finance portfolios.
You have understanding of capital markets, debt issuance, and securitization structures, particularly those used in auto loan term ABS, lease securitizations, dealer floor plan revolving facilities, and fleet/rental car transactions.
Direct experience in auto capital markets or analysis of auto ABS portfolios — across any combination of loans, leases, floor plan, fleet, or rental car — is prized.
Technical understanding of auto ABS structural features, including sequential and pro rata payment mechanics, residual value exposure.
Passion for cars! and loss forecasting, borrower credit performance analytics, and vehicle market dynamics, with practical experience showcasing strong technical ability.
Experience reviewing legal documentation relating to the issuance of ABS debt (e.g., Our global network of colleagues comes together to accomplish things greater than they ever could alone.
We are building incredible things at Fitch and we invite you to join us on our journey.
Fitch Group is a global leader in financial information services with operations in more than 30 countries. For more information please visit our websites: | |
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work.
We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.

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