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.

• 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.

• 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.

Bounce AI is a fintech startup transforming how businesses recover outstanding receivables, leveraging machine learning, automation, and deep personalization tailored to each account's financial situation.

For creditors, we:

• Transform how they transact, giving creditors control over liquidity and risk.
• Empower business debtors with a seamless, professional collections experience to maximize recoveries while preserving the business relationship.
• Utilize a highly optimized workflow, from first contact to resolution; our platform evolves based on real interactions and continuously incoming data feeds.
• Reduce legal and operational risk with automated compliance designed by experts and enforced by code.
• Unlock account insights by exploring new data sources.

For business debtors, we:

• Provide convenient, flexible ways to resolve outstanding balances, with representatives available via phone, email, or chat.
• Offer a professional, discreet, and compliant process focused on reaching fair resolution.
• Provide structured repayment terms or custom arrangements tailored to the business's cash flow.

We are looking for a Commercial Collector who can negotiate directly with business owners, controllers, and accounts payable contacts to resolve past-due commercial accounts — while maintaining professionalism and protecting the underlying business relationship. The successful candidate will own the full resolution process for their assigned portfolio, using sound judgment, financial acumen, and negotiation skill to recover outstanding balances.

• Manage inbound and outbound communication with business owners, principals, and accounts payable/finance contacts via phone, email, and written correspondence.
• Review account documentation — invoices, contracts, personal guarantees, aging reports — to build an accurate picture of each commercial account.
• Negotiate repayment plans, settlements, or structured terms appropriate to the size and complexity of each commercial account.
• Skip-trace and verify authorized signers or guarantors on business accounts as needed.
• Meet key performance indicators (recovery rate, contact rate, resolution timelines) as outlined by management.
• Adhere to compliance standards, including FDCPA (where applicable to personal guarantors), UCC, and state commercial collection regulations.
• Escalate accounts appropriately for legal placement, dispute review, or bankruptcy handling.
• Attend ongoing training on commercial credit terms, negotiation tactics, and industry-specific practices.

• Previous experience in commercial/B2B collections, credit and collections, or commercial lending preferred.
• Strong understanding of business financials, cash flow constraints, and commercial credit terms.
• Excellent verbal and written communication skills, with the ability to negotiate confidently with business owners and finance professionals.
• High attention to detail and strong critical thinking for reviewing account documentation and structuring resolution plans.
• Skilled at negotiation and conflict resolution, particularly with sophisticated or high-value counterparties.
• Comfortable working in a fast-paced, evolving environment.

A successful Commercial Collector combines the tenacity and structure of traditional collections work with the business fluency of someone who can speak credibly to a business owner or CFO about cash flow, terms, and risk. They balance firmness with professionalism, understanding that today's debtor may be tomorrow's customer.

Current Available Full Time Shifts:

M–F 8:30am to 5:00pm

Paid Training Program:

2-week, full-time training program

Office Location:

This is an in-office role

Pay:

$22-$26 hourly

Benefits:

• Full medical, dental, and vision
• 401k with contribution matching up to 5%
• 12 days of accrued PTO
• 11 paid holidays

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.

As an Enterprise Account Executive, you will be responsible for driving net-new revenue by identifying, engaging, and closing financial institutions that can benefit from Bounce's platform.

This is a full-cycle sales role focused on sourcing opportunities, developing relationships with senior decision-makers, navigating complex buying processes, and winning new business. You'll work directly with leaders across Operations, Collections, Recovery, Risk, Compliance, and Executive Leadership teams at banks, credit unions, fintechs, and lending organizations.

The ideal candidate is commercially minded, highly motivated, and thrives in an environment where initiative, resourcefulness, and execution drive success. We're looking for someone who can quickly learn our business, understand customer challenges, and effectively communicate the value of our solutions to prospective partners.

Bounce is a fintech startup revolutionizing debt management 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 Tel Aviv and New York, we have been growing rapidly, supporting hundreds of thousands of consumers on their journey to financial resilience and building partnerships with top creditors and fintech companies.

• Own the full sales cycle from prospecting and discovery through negotiation and close
• Build and manage a pipeline of qualified opportunities through outbound outreach, networking, referrals, and strategic account targeting
• Identify and engage key decision-makers within banks, credit unions, fintechs, and lending organizations
• Conduct discovery meetings, product demonstrations, and executive-level presentations
• Develop account strategies that align customer challenges with Bounce's solutions
• Navigate complex sales cycles involving Operations, Compliance, Risk, Legal, Procurement, and Executive stakeholders
• Partner closely with Product, Operations, Legal, and Customer Success teams throughout the sales process
• Maintain accurate pipeline management, forecasting, and activity tracking within CRM systems
• Stay informed on industry trends, regulatory developments, and market dynamics impacting financial institutions
• Represent Bounce at conferences, industry events, and customer meetings

• 6+ years of enterprise B2B sales experience
• Demonstrated success selling software, technology, or services to banks, credit unions, and fintechs
• Proven track record of consistently meeting or exceeding revenue targets
• Experience generating net-new business through proactive outbound prospecting and relationship development
• Success managing complex enterprise sales cycles involving multiple stakeholders
• Ability to build credibility and influence senior executives and business leaders
• Strong business acumen and consultative selling skills
• Naturally curious with the ability to quickly learn new products, industries, and customer challenges
• Comfortable operating in a fast-paced, high-growth environment where priorities can evolve quickly
• Strong organizational skills and attention to detail
• Excellent verbal, written, and presentation skills
• Proficiency with CRM platforms, Google Workspace, Slack, and modern sales technology tools
• Self-motivated with a high level of ownership, accountability, and follow-through
• Experience selling into collections, debt recovery, lending, credit servicing, or adjacent financial services markets
• Existing relationships within banks, credit unions, fintechs, or lending organizations
• Experience working within a startup or high-growth fintech environment
• Familiarity with AI-powered software, workflow automation, or operational technology solutions

• Competitive salary and commission plan
• Comprehensive benefits package
• 401K + 5% Match
• Competitive PTO plan
• Collaborative and innovative remote 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.

We are seeking a FP&A Manager to help build and scale the financial planning function at a critical stage in our growth. Reporting directly to the VP of Finance, you’ll play a central role in developing the processes, models, and reporting cadence that guide how we plan, allocate resources, and evaluate performance across the business.

This role is a strong fit for someone who brings a structured, analytical approach to problem-solving and is motivated by helping an organization mature its financial operations as we scale. You’ll work closely with department leaders to support forecasting, manage budgets, and deliver insights that drive sound, data-backed decisions. Your work will help shape Bounce for continued thoughtful and sustainable growth.

#LI-MA1

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.

• Own the company’s financial model, rolling forecasts, and long-range planning scenarios.
• Lead monthly and quarterly budget vs. actuals analysis and collaborate with department heads to understand and manage spend.
• Dive into metrics like recovery performance, CAC/LTV, payback periods, and margins across our creditor partners and turn into actionable insights.
• Partner on pricing analysis, resource allocation, and contract modeling for new business opportunities.
• Contribute to materials for board meetings and investor updates - translating numbers into narrative.

• Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA or CFA is a plus)
• 5+ years of experience in FP&A, strategic finance, investment banking, or a related field
• Experience leading operating expense forecasting, budget ownership, and performance analysis, partnering with stakeholders through month-end close to support strategic decision-making
• Advanced Excel and financial modeling skills; familiarity proficiency in NetSuite and FP&A tools
• Strong analytical and problem-solving skills
• Excellent interpersonal, written, and verbal communication skills
• Highly organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Interest in fintech, tech or debt recovery space

• Competitive salary range of $140,000-180,000
• 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.

As a Resolution Expert you will motivate and guide consumers through the collections process while providing exceptional customer service. The successful candidate will be able to accept ownership for effectively solving consumers’ issues, complaints, and inquiries, keeping customer satisfaction at the core of every decision and behavior.

Bounce is a growing fintech company. We are 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.

• Manage inbound and outbound communication from consumers and their representatives via phone, email, and chat.
• Communicate with consumers to establish repayment plans and resolve questions or concern
• Meet key performance indicators as outlined by management
• Adhere to expected quality and compliance standards within the collections industry

• Previous experience in collections, customer service, and/or sales is required
• Strong verbal and written communication skills
• High attention to detail and critical thinking
• Problem-solving, negotiation, and conflict-resolution skills
• Customer-focused and adaptable to different personality types
• Ability to multi-task, set priorities and manage time effectively
• Ability to work in a fast-paced and changing environment
• Great typing skills to be able to chat, email consumers professionally and quickly

Up to $22 per hour, with the potential for higher pay based on experience, skill set, and Spanish fluency.

Benefits:

• A variety of medical, dental, and vision benefits to fit you and your family's needs
• 401k with contribution matching up to 5%
• 12 days of accrued PTO
• Paid Sick time
• 10 paid holidays
• Catered lunches, quarterly events, raffles and more

Bounce is an equal opportunity employer. All employment decisions are based on qualifications, merit, and business need, without regard to race, color, religion, sexual orientation, gender identity, national origin, veteran, or disability status.