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About the Role

The Credit Portfolio Risk Analyst will be instrumental in building Bounce's risk function from the ground up, making critical decisions on capital deployment. This role involves assessing new opportunities for debt portfolio acquisitions, ensuring investments meet expected returns, and directly influencing capital allocation decisions. It's a high-ownership, zero-to-one opportunity with significant impact on the company's growth.

Responsibilities

Underwrite incoming portfolios, forecast expected collections, and develop pricing recommendations.
Partner closely with the CRO to make disciplined, data-driven bid decisions.
Track portfolio performance against target IRR and MOIC post-acquisition.
Identify potential shortfalls early and diagnose return gaps.
Establish underwriting standards, analytical methodologies, reporting cadence, and decision-making processes.
Evaluate incoming debt-sale opportunities by building loan-level and cohort-level collection and cash-flow forecasts.
Recommend bid pricing, expressed in cents on the dollar.
Stratify portfolios by product type, balance band, delinquency/age, state, and account attributes.
Run seller data due diligence, including completeness, balance reconciliation, documentation availability, chain of title, bankruptcy/deceased scrubs, and prior placement history.
Build return models (IRR, MOIC, NPV/discounting) and stress-test assumptions.
Translate underwriting assumptions into explicit, monitorable post-purchase expectations.
Track actual collection curves against underwritten curves by batch and vintage.
Maintain IRR/MOIC tracking against hurdle targets and flag underperformance.
Partner with Data Science on estimated remaining collections (ERC) recalibration.
Diagnose return gaps by connecting them to operational drivers and population factors.
Produce recurring portfolio-risk reporting for leadership.
Help establish the risk playbook, including underwriting standards, pricing methodology, monitoring cadence, and escalation thresholds.
Codify reusable analyses and write documentation for clarity and replicability.
Work with leadership to define risk appetite and guardrails.

Requirements

4+ years of experience in credit risk, portfolio analytics, structured or specialty finance, acquisitions, investment banking, private credit, or a related field within a debt buyer, lender, consumer credit firm, credit fund, distressed investing, CLO, or bond-trading environment.
Strong SQL skills with the ability to independently write non-trivial queries (joins, window functions, date logic, cohort aggregation) against a large warehouse.
Strong financial modeling skills, including IRR, MOIC, NPV, cash flow, sensitivity, and vintage analysis.
Advanced Excel skills and comfort working with large, imperfect loan-level or transaction-level datasets.
Understanding of credit fundamentals.
Strong analytical judgment and the ability to clearly explain and defend recommendations to leadership.
Highly organized, detail-oriented, and comfortable managing multiple priorities in a fast-paced environment.
Interest in fintech, credit investing, consumer finance, or debt recovery.

Skills

SQL
Financial modeling
IRR
MOIC
NPV
Cash flow analysis
Sensitivity analysis
Vintage analysis
Excel
Consumer credit analysis
Collections economics
Recovery curves
Roll rates
Cost to collect

Location

New York

Work Type

Hybrid

Experience Level

4+ years

Education Level

Bachelor’s degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Science, Engineering, or another quantitative field.

Salary/Compensations

$100k-$120k

Benefits

Comprehensive benefits package
401K + 5% Match
Competitive PTO plan

About the Company

Bounce is a fintech startup revolutionizing debt recovery for consumers and creditors with our best-in-class product.
We leverage the power of AI and automation to create user-friendly experiences that drive positive outcomes for all parties involved.
With a team based in Israel and New York, we have been growing rapidly.
We support hundreds of thousands of consumers on their journey to financial resilience and build partnerships with top creditors and fintech companies.

Equal Opportunity

Bounce is an equal opportunity employer that is dedicated to diversity and inclusion.
We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.