Senior Credit Analyst
About The Position
Bounce AI is seeking a Senior Credit Analyst to join its Operations team and help identify and manage risk as the company grows. Bounce is a fintech startup using AI and automation to improve debt recovery for consumers and creditors, with teams in Israel and New York. The role focuses on underwriting debt-sale opportunities and monitoring portfolio performance. The analyst will forecast loan- and cohort-level collections and cash flows, recommend bid pricing, evaluate seller data and documentation, and model investment returns. After purchase, the analyst will compare actual collection performance with underwriting expectations, track return targets, investigate performance gaps, and report portfolio risk to leadership. The analyst will also help establish the risk function by creating underwriting standards, pricing methods, monitoring practices, escalation thresholds, reusable analyses, and documentation. The role works with Data Science, leadership, and other cross-functional teams.
Requirements
- At least 5 years of experience in risk analysis or a related field.
- Bachelor's degree in Finance, Business Administration, or a related field.
- Strong analytical and problem-solving skills.
- Proficiency in risk management software and tools.
- Excellent written and verbal communication skills.
- Ability to work collaboratively in a team environment.
Nice To Haves
- Experience in the technology or AI industry.
Responsibilities
- Evaluate debt-sale opportunities by forecasting loan- and cohort-level collections and cash flows and recommending bid pricing.
- Stratify portfolios by product type, balance band, delinquency or age, state-related statute-of-limitations exposure, and account attributes.
- Conduct seller data due diligence, including checks of completeness, fill rates, balance reconciliation, documentation and media availability, chain of title, bankruptcy and deceased-account scrubs, and prior placement history.
- Build return models using IRR, MOIC, NPV or discounting, and hurdle achievement, and stress-test key assumptions.
- Translate underwriting assumptions into monitorable post-purchase expectations.
- Track actual collection curves against underwritten curves by batch and vintage.
- Maintain IRR and MOIC tracking against hurdle targets and flag underperformance early.
- Partner with Data Science on estimated remaining collections (ERC) recalibration.
- Diagnose return gaps by examining operational drivers and population factors.
- Produce recurring portfolio-risk reporting for leadership.
- Help establish underwriting standards, pricing methodology, monitoring cadence, and escalation thresholds.
- Codify reusable analyses and document them for clarity and replicability.
- Work with leadership to define risk appetite and related guardrails.
Benefits
- Competitive salary range of $120,000–$135,000 with eligibility for a discretionary bonus.
- Comprehensive benefits package.
- 401(k) with a 5% match.
- Competitive PTO plan.
- Collaborative and innovative hybrid working environment.
- Opportunity to grow your career with a growing company.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
