Credit Risk Analyst Jobs in Manhattan, NY (NOW HIRING)

The Credit Portfolio Risk Analyst will be one of the first people to build Bounce's risk function from the ground up — the person whose analyses decides where our capital actually gets deployed. Bounce operates in a $100B+ debt collection market, buying and managing real portfolios today, so this is live capital decisions from week one, not a function you’re prototyping in theory. Reporting directly to the Chief Risk Officer, you will assess new opportunities to deploy substantial capital into debt portfolio acquisitions and ensure those investments deliver against their expected returns.

You will underwrite incoming portfolios, forecast expected collections, develop pricing recommendations, and partner closely with the CRO and Data Science team to make disciplined, data-driven, and clearly supportable bid decisions. Once portfolios are acquired, you will own tracking performance against target IRR and MOIC, identify potential shortfalls early, and connect return gaps to their underlying operation, financial, or portfolio-level drivers — not just run the numbers, but call the shots on what they mean.

As an early member of the risk function, you will help establish the underwriting standards, analytical methodologies, reporting cadence, and decision-making processes that make this work repeatable, scalable, and actionable across the organization. This is a rare opportunity to directly influence capital allocation and investment decisions as we evaluate opportunities to deploy $100M+ annually purchasing from the largest fintechs, banks, and credit unions. This is the right role for you if you have an investment banking, credit risk, or structured finance background and want your models to drive real capital decisions instead of feeding someone else’s deck. High-ownership, zero-to-one work with an outsized impact on Bounce’s growth.

Bounce is a fintech startup revolutionizing debt recovery for consumers and creditors with our best-in-class product. By leveraging the power of AI and automation, we 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.

Acquisition Underwriting

• Evaluate incoming debt-sale opportunities by building loan-level and cohort-level collection and cash-flow forecasts and recommending bid pricing, expressed in cents on the dollar.
• Stratify portfolios by product type, balance band, delinquency/age, state (statute-of-limitations exposure), and account attributes to understand what drives value.
• Run seller data due diligence: completeness and fill rates, balance reconciliation to the tape, documentation/media availability, chain of title, bankruptcy/deceased scrubs, and prior placement history.
• Build return models — IRR, MOIC, NPV/discounting, hurdle achievement — and stress-test the assumptions that matter most.
• Translate underwriting assumptions into explicit, monitorable post-purchase expectations so we can later measure actual vs. underwritten.

Portfolio Surveillance

• Track actual collection curves against underwritten curves by batch and vintage.
• Maintain IRR/MOIC tracking against hurdle targets; flag underperformance early.
• Partner with Data Science on estimated remaining collections (ERC) recalibration.
• Diagnose return gaps by connecting them to operational drivers (outreach cadence, right-party contact, conversion, break/keep rates) and population factors (bankruptcy, bad contact data).
• Produce recurring portfolio-risk reporting for leadership.

Building the Function

• Help establish the risk playbook: 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 the guardrails around it.

• Competitive salary range of $100k-$120k with eligibility for a discretionary bonus
• Comprehensive benefits package
• 401K + 5% Match
• Competitive PTO plan
• Collaborative and innovative hybrid working environment
• Opportunity to grow in your career with a growing company

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.

• 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.
• Bachelor’s degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Science, Engineering, or another quantitative field.
• 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; experience with consumer credit, collections economics, recovery curves, roll rates, or cost to collect is a plus.
• 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.