Assistant Vice President, Credit Ratings (Nonperforming & Reperforming Loans; NPL & RPL Ratings)

Location: London; hybrid work with four days in-office each week in most locations.

Base salary: GBP 67,500–98,500 per year; 20% annual bonus target.

Company

hirify.global DBRS provides credit ratings and structured finance analysis across European markets.

What you will do

• Conduct credit and cash flow analysis for European NPL and RPL securitisations using established methodologies and internal tools.
• Lead the analysis and rating process for new transactions, taking ownership of assigned analytical workstreams.
• Review servicer business plans, recovery assumptions, collection curves, collateral characteristics, property valuations, and jurisdictional recovery factors.
• Monitor existing transactions, including collections, resolution timelines, legal processes, collateral values, and servicer performance.
• Support amendment requests, restructurings, expected recovery models, stress scenarios, and sensitivity analyses.
• Prepare rating committee materials, rating reports, press releases, research notes, model files, and governance documentation, and engage with internal and external stakeholders.

Requirements

• Bachelor’s degree in finance, economics, mathematics, financial engineering, accounting, or another quantitative discipline.
• At least five years of relevant experience in structured finance, credit analysis, NPL servicing, loan underwriting, banking, or related analytical fields.
• Strong quantitative and analytical skills, including experience working with cash flow models.
• High proficiency in Microsoft Excel and good working knowledge of Word, PowerPoint, and Outlook.
• Excellent written and verbal communication skills in English.
• Strong attention to detail and ability to produce high-quality analytical work under deadlines.
• Proactive attitude, willingness to learn, and ability to collaborate in a team environment.

Nice to have

• Familiarity with NPL/RPL markets, distressed debt, recovery processes, or securitisation.
• Exposure to judicial or nonjudicial recovery frameworks, real-estate collateral valuation, NPL servicing operations, or business plan analysis.
• Postgraduate studies or professional qualifications, including CFA exam progress.
• Programming experience in Python or VBA for data analysis or model enhancement.
• Knowledge of another European language.

Culture & Benefits

• Hybrid work environment with regular in-person collaboration and four office days per week in most locations.
• Tools and resources are provided for collaboration with global colleagues.
• Additional benefits are available to support changing flexibility needs.
• Personal and related investments must be disclosed confidentially to the Compliance team and comply with the Code of Ethics.
• Certain employee accounts may need to be held with an approved broker depending on department and work location.