Credit Portfolio Risk Lead - Build & Guide Capital Decisions

Bounce; New York (NY); Hybrid; USD 100,000 - 120,000; Full time

Benefits offered by this job

Competitive salary

Comprehensive benefits

401K Match

Paid time off

Hybrid work environment

Job summary

Bounce is a fintech startup transforming debt recovery for consumers and creditors. The Credit Portfolio Risk Analyst will help build Bounce's risk function from the ground up, guiding live capital decisions and underwriting portfolio acquisitions with a focus on IRR and MOIC.

Based in New York, you will collaborate with the CRO and Data Science to establish standards, tooling, and reporting cadence, translating risk insights into actionable decisions in a fast-growing, hybrid work setting.

Qualifications

• 4+ years of experience in credit risk, portfolio analytics, structured or specialty finance, acquisitions, investment banking, private credit, or related field.
• 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 against a large data 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.

Responsibilities

• Evaluate incoming debt-sale opportunities by building loan-level and cohort-level collection and cash-flow forecasts and recommending bid pricing.
• 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.
• 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.
• 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.

Skills

SQL

Financial Modeling

Excel

Analytical Judgment

Portfolio Analytics

Education

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

Tools

None

Job description

Bounce is a fintech startup transforming debt recovery for consumers and creditors. The Credit Portfolio Risk Analyst will help build Bounce's risk function from the ground up, guiding live capital decisions and underwriting portfolio acquisitions with a focus on IRR and MOIC.

Based in New York, you will collaborate with the CRO and Data Science to establish standards, tooling, and reporting cadence, translating risk insights into actionable decisions in a fast-growing, hybrid work setting.