Job Description
Credit Analyst. Structured Finance - ABS. Analyst/Senior Analyst level. London
Requisition ID: 49423
Business Unit: Fitch Ratings
Category: Credit Analysis & Research
Location: London, GB
Date Posted: Feb 2, 2026
Fitch Ratings is currently seeking a Credit Analyst – Structured Finance, ABS. Analyst/Senior Analyst level based out of our London office.
As one of the world’s top three credit ratings agencies, Fitch Ratings plays a critical role in global capital markets by providing supplementary credit analysis, ratings, research, and commentary to financial market participants. For over 100 years, Fitch Ratings has been creating value for global markets through its rigorous analysis and deep expertise, which have resulted in a variety of market leading tools, methodologies, indices, research, and analytical products. Fitch Ratings is part of Fitch Group, a global leader in financial information services with operations in more than 30 countries, which also includes Fitch Solutions. With dual headquarters in London and New York, Fitch Group is owned by Hearst.
At Fitch Ratings, credit analysts play a pivotal role in moving markets, as quality credit analysis is the lifeblood of our organization. With a legacy of over a century, our unique approach to credit ratings offers unmatched opportunities for professional growth. Embracing a “challenger mindset,” you'll join a team dedicated to innovating service to our clients. Our people-driven analysis thrives on collaboration across all levels and locations, surpassing traditional financial modeling. Lastly, as part of our global community, you'll find inspiration, challenge, and support, with ample opportunities for visibility and influence in the global financial marketplace.
Want to learn more about a career as a credit analyst at Fitch Ratings? Visit: https://careers.fitch.group/content/Credit-Analysts/
About the Team
Fitch’s European Structured Finance team maintains existing ratings and assigns ratings to new structured finance transactions. Fitch currently rates Structured Finance transactions across four main asset classes: Asset Backed Securities, Residential Mortgage-Backed Securities, Commercial Mortgage-Backed Securities, and Structured Credit. Fitch Ratings maintains surveillance on over 1,500 European structured finance transactions.
How You’ll Make an Impact:
Assess credit risk of consumer loan portfolios
Implement cash flow modelling
Review transaction legal documents
Conduct on-site reviews of underwriting and servicing practices of originators
Prepare rating proposals for presentation to internal rating committees
Communicate rating rationale to investors and other market participants through pre-sale reports, presentations, research and meetings
Communicate with transaction arrangers and originators to understand asset characteristics and structural features of the transactions and
Support in the development of criteria and supporting research.
You May be a Good Fit if:
High motivation with a strong desire to perform credit analysis
Be highly numerate and analytical, with a high level of proficiency in using Excel (candidates will be asked to complete an Excel test)
Strong written and oral communication skills in English
Ability to review, understand and analyse legal transaction documents from a credit risk perspective (no formal legal experience required)
Analytical thinker who can apply methodologies appropriately and insightfully in reaching structured decisions. The interview process will feature a case study.
Team player who can work collaboratively as part of a multi-cultural team with members in multiple locations
Strong attention to detail
What Would Make You Stand Out:
Relevant experience in credit analysis acquired at, for example, an accountancy firm, bank, consultancy, rating agency, specialist lender or trustee
Ideally direct experience in securitisation or origination of consumer assets (auto leases / loans, unsecured loans, credit card receivables, residential mortgages)
Other backgrounds will be considered, provided the candidate can demonstrate sufficient aptitude in the behaviours and skills detailed herein with clear motivation to work in Structured Finance at Fitch Ratings
Intellectually curious and inquisitive, with a willingness to challenge precedent
Fluency in other European languages
Strong organisational skills in completing and prioritising work
Why Choose Fitch:
Hybrid Work Environment: 3 days a week in office required; up to 4 weeks working from anywhere
A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity
Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals
Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing
Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively
Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe
Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interest or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. 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.
Fitch is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, ****** orientation, gender identity, disability, protected veteran status, and other statuses protected by law.
#li-ac1
#li-hybrid
Requisition ID: 49423
Business Unit: Fitch Ratings
Category: Credit Analysis & Research
Location: London, GB
Date Posted: Feb 2, 2026
Fitch Ratings is currently seeking a Credit Analyst – Structured Finance, ABS. Analyst/Senior Analyst level based out of our London office.
As one of the world’s top three credit ratings agencies, Fitch Ratings plays a critical role in global capital markets by providing supplementary credit analysis, ratings, research, and commentary to financial market participants. For over 100 years, Fitch Ratings has been creating value for global markets through its rigorous analysis and deep expertise, which have resulted in a variety of market leading tools, methodologies, indices, research, and analytical products. Fitch Ratings is part of Fitch Group, a global leader in financial information services with operations in more than 30 countries, which also includes Fitch Solutions. With dual headquarters in London and New York, Fitch Group is owned by Hearst.
At Fitch Ratings, credit analysts play a pivotal role in moving markets, as quality credit analysis is the lifeblood of our organization. With a legacy of over a century, our unique approach to credit ratings offers unmatched opportunities for professional growth. Embracing a “challenger mindset,” you'll join a team dedicated to innovating service to our clients. Our people-driven analysis thrives on collaboration across all levels and locations, surpassing traditional financial modeling. Lastly, as part of our global community, you'll find inspiration, challenge, and support, with ample opportunities for visibility and influence in the global financial marketplace.
Want to learn more about a career as a credit analyst at Fitch Ratings? Visit: https://careers.fitch.group/content/Credit-Analysts/
About the Team
Fitch’s European Structured Finance team maintains existing ratings and assigns ratings to new structured finance transactions. Fitch currently rates Structured Finance transactions across four main asset classes: Asset Backed Securities, Residential Mortgage-Backed Securities, Commercial Mortgage-Backed Securities, and Structured Credit. Fitch Ratings maintains surveillance on over 1,500 European structured finance transactions.
How You’ll Make an Impact:
Assess credit risk of consumer loan portfolios
Implement cash flow modelling
Review transaction legal documents
Conduct on-site reviews of underwriting and servicing practices of originators
Prepare rating proposals for presentation to internal rating committees
Communicate rating rationale to investors and other market participants through pre-sale reports, presentations, research and meetings
Communicate with transaction arrangers and originators to understand asset characteristics and structural features of the transactions and
Support in the development of criteria and supporting research.
You May be a Good Fit if:
High motivation with a strong desire to perform credit analysis
Be highly numerate and analytical, with a high level of proficiency in using Excel (candidates will be asked to complete an Excel test)
Strong written and oral communication skills in English
Ability to review, understand and analyse legal transaction documents from a credit risk perspective (no formal legal experience required)
Analytical thinker who can apply methodologies appropriately and insightfully in reaching structured decisions. The interview process will feature a case study.
Team player who can work collaboratively as part of a multi-cultural team with members in multiple locations
Strong attention to detail
What Would Make You Stand Out:
Relevant experience in credit analysis acquired at, for example, an accountancy firm, bank, consultancy, rating agency, specialist lender or trustee
Ideally direct experience in securitisation or origination of consumer assets (auto leases / loans, unsecured loans, credit card receivables, residential mortgages)
Other backgrounds will be considered, provided the candidate can demonstrate sufficient aptitude in the behaviours and skills detailed herein with clear motivation to work in Structured Finance at Fitch Ratings
Intellectually curious and inquisitive, with a willingness to challenge precedent
Fluency in other European languages
Strong organisational skills in completing and prioritising work
Why Choose Fitch:
Hybrid Work Environment: 3 days a week in office required; up to 4 weeks working from anywhere
A Culture of Learning & Mobility: Dedicated trainings, leadership development and mentorship programs designed to ensure that your time at Fitch will be a continuous learning opportunity
Investing in Your Future: Retirement planning and tuition reimbursement programs that empower you to achieve your short and long-term goals
Promoting Health & Wellbeing: Comprehensive healthcare offerings that enable physical, mental, financial, social, and occupational wellbeing
Supportive Parenting Policies: Family-friendly policies, including a generous global parental leave plan, designed to help you balance career and family life effectively
Inclusive Work Environment: A collaborative workplace where all voices are valued, with Employee Resource Groups that unite and empower our colleagues around the globe
Dedication to Giving Back: Paid volunteer days, matched funding for donations and ample opportunities to volunteer in your community
Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch’s credibility and reputation, our employees must take every precaution to avoid conflicts of interest or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. 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.
Fitch is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, ****** orientation, gender identity, disability, protected veteran status, and other statuses protected by law.
#li-ac1
#li-hybrid
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst. Structured Finance - ABS. Analyst/Senior Analyst level. position is now open for candidates interested in the Back Office Jobs sector. This role in London offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Back Office Jobs is a plus.
