Staff Software Engineer, Payments
PayJoy
Lead the design of scalable payment infrastructure at PayJoy, a credit provider serving underserved customers in emerging markets. Shape architecture, build critical services, and mentor engineers.
Deschide
Bounce este o companie de turism și transport care oferă servicii de depozitare a bagajelor printr-o rețea de parteneri locali. Platforma sa îi ajută pe călători să rezerve spații de depozitare sigure în orașe din întreaga lume, facilitând explorarea destinațiilor fără a purta bagajele. Clienții pot organiza depozitarea prin aplicația Bounce, beneficiind de opțiuni flexibile de rezervare, asistență 24/7 și protecție pentru bunurile depozitate. Bounce operează printr-o rețea distribuită de peste 13.000 de locații în mai mult de 4.000 de orașe.
Senior Risk Analyst – New York City Hybrid
Lead underwriting and portfolio monitoring for Bounce, an AI-powered debt-recovery fintech. Build risk models, forecasts, and leadership reporting to guide debt investment decisions.
Statele Unite ale Americii
New York100.000 $ – 120.000 $ / an
HibridNormă întreagăSeniorLimbă Obligatorie: englezăRiscDescriere
- Assess financial and operational data to uncover potential risks
- Design and apply risk management strategies
- Monitor risk exposure and policy compliance, then report findings
- Work with cross-functional teams to evaluate the impact of identified risks
- Prepare detailed risk assessment reports for management
- Perform recurring risk audits and recommend corrective improvements
- Assess debt-sale opportunities through loan- and cohort-level collection and cash-flow forecasts, then recommend bid pricing
- Segment portfolios by product, balance range, delinquency or account age, state, and account characteristics to identify value drivers
- Complete seller data diligence covering completeness, fill rates, balance reconciliation, documentation and media, chain of title, bankruptcy and deceased-account scrubs, and prior placement history
- Develop return models using IRR, MOIC, NPV and discounting, and hurdle analysis while stress-testing key assumptions
- Convert underwriting assumptions into measurable post-purchase performance expectations
- Compare realized collection curves with underwriting projections by batch and vintage
- Track IRR and MOIC against hurdle targets and identify underperformance early
- Partner with Data Science to recalibrate estimated remaining collections
- Investigate return shortfalls through operational and population-level drivers
- Deliver recurring portfolio-risk reports to leadership
- Support the definition of underwriting standards, pricing methods, monitoring schedules, and escalation thresholds
- Create reusable analyses and maintain supporting documentation
- Collaborate with leadership to establish risk appetite and operating guardrails
Cerințe
- At least five years of experience in risk analysis or a related discipline
- Bachelor’s degree in finance, business administration, or a related field
- Strong analytical and problem-solving capabilities
- Proficiency with risk management software and analytical tools
- Excellent written and verbal communication skills
- Ability to collaborate effectively in a team setting
- Experience in the technology or AI sector is preferred
Beneficii
- Eligibility for a discretionary bonus
- Comprehensive benefits package
- 401(k) plan with a 5% company match
- Competitive paid time off program
- Collaborative, innovative hybrid work environment
- Career-growth opportunity within a growing company
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