Principal, Consumer Finance Investment Strategy

Location: Woodland Hills, California, United States

Salary: $300,000 base salary annually, plus a discretionary annual bonus.

Company

hirify.global is a global alternative asset manager providing investment and capital solutions across credit, private equity, and retirement services.

What you will do

• Build and maintain loan-level and cohort-level models for defaults, loss severity, prepayments, delinquency migration, and collateral performance.
• Design cash flow models and code-based waterfall engines for Auto ABS, Credit Card ABS, Student Loan ABS, Personal Loan ABS, marketplace lending, BNPL, and whole-loan portfolios.
• Develop scenario analysis, stress testing, collateral surveillance, and tranche economics tools for primary and secondary market opportunities.
• Partner with investment, portfolio risk, technology, and data teams on pricing, structuring, relative value, risk reporting, data pipelines, and model governance.
• Apply machine learning and AI to credit scoring, alternative data integration, loan tape analysis, early warning systems, and prepayment/default prediction.
• Provide mentorship and technical guidance to junior quantitative professionals.

Requirements

• Significant experience in consumer credit analytics, securitized products, or quantitative consumer finance.
• Production-quality cash flow modeling experience, including collateral performance models and deal waterfall engines.
• Strong understanding of consumer credit, underwriting metrics, credit scoring, delinquency migration, recoveries, and vintage analysis.
• Programming proficiency in Python, SQL, R, C#, and/or C++; experience with large loan-level datasets and SAS is preferred.
• Familiarity with structured finance platforms such as Intex or dv01, securitization structures, credit enhancement, rating methodologies, and regulatory capital frameworks.
• Advanced degree in finance, mathematics, statistics, engineering, computer science, or a related quantitative discipline is preferred; experience applying AI and machine learning to consumer credit or structured finance is a strong differentiator.

Culture & Benefits

• Work within hirify.global's centralized Global Investment Insights organization and broader credit platform.
• Collaborative environment focused on scalable, institutional-grade analytics and cross-functional partnership.
• Benefits programs provide coverage for employees and their families.
• Eligibility for a discretionary annual bonus based on personal, team, and firm performance.