Default Analyst - Bankruptcy

Valon is building the AI-native operating system for regulated finance, starting with mortgage servicing.
We're a Series C company backed by a16z, transforming industries that others have written off as too complex to innovate.
Rather than build on top of broken legacy systems, we took a different approach: we built and operate our own mortgage servicing business managing $110+ billion in loans. This wasn't the end goal, it was how we deeply understood the complexity needed to build software that actually works in regulated industries.
The results speak for themselves. We've transformed mortgage servicing from a 0% margin business into 60%+ margins while dramatically improving customer experience. Major enterprise contracts are now deploying across the industry.
ValonOS is our unified platform that makes every process structured and programmable and it is perfectly positioned for the AI era. When everything flows through one system with rich data, AI agents don't just automate tasks, they continuously improve entire operations. Mortgage servicing is just the beginning of our vision to transform regulated industries and beyond.

The Default Servicing team manages all default-related processes and resolves mortgage loans that are in default. The team is crucial to Valon and the broader mortgage ecosystem, as it helps prevent foreclosures and minimize losses for investors. Homeowner transparency and financial literacy is always a focal point to our people, process and product, and we strive to help homeowners who need additional support to keep their dream of homeownership alive.

The Bankruptcy Specialist is responsible for monitoring and managing bankruptcy loans throughout the lifecycle of the case, with a focus on oversight, quality control, and coordination with bankruptcy counsel. This role ensures that all bankruptcy-related activities are completed in accordance with regulatory requirements, investor guidelines, and company procedures.

The Bankruptcy Specialist will partner closely with internal teams and external counsel to ensure timely and accurate case progression, while identifying risks, resolving exceptions, and maintaining compliance.

• Monitor bankruptcy loans throughout the lifecycle to ensure timely progression and compliance of all chapters

• Manage a pipeline of bankruptcy loans, prioritizing tasks to meet required timelines

• Oversee and coordinate activities performed by bankruptcy counsel

• Track and enforce attorney timelines and service level expectations (SLAs)

• Review and validate key filings, including Proofs of Claim and Motions for Relief

• Perform quality control reviews to ensure accuracy of attorney actions and loan treatment

• Identify and escalate risks, delays, or compliance concerns to appropriate stakeholders

• Handle client-specific requirements and exception-based bankruptcy cases

• Maintain accurate loan data and ensure proper system updates related to bankruptcy activity

• Other duties as assigned

• 4–6 years of experience in mortgage servicing or default servicing within a servicer or sub-servicer environment

• Hands-on experience managing bankruptcy loans across all chapters within a servicing platform

• Strong understanding of how bankruptcy impacts loan servicing, including payment application, status management, and lifecycle progression

• Experience working in a manual or semi-manual environment, with the ability to manage processes without heavy reliance on automation

• Demonstrated end-to-end ownership of bankruptcy loan handling, not limited to a single function or siloed role

• Experience working in a high-volume, process-driven environment with defined timelines and SLAs

• Proven ability to manage a pipeline of work and prioritize competing deadlines

• Strong attention to detail with a focus on accuracy, compliance, and quality control

• Experience coordinating with external partners, such as attorneys or vendors, from a servicing perspective

• Proficiency in Excel or similar tools for tracking, reporting, and data management

• 4+ years of experience in mortgage servicing or default servicing within a servicer or sub-servicer environment

• Working knowledge of bankruptcy processes and their impact on loan servicing

• Strong time-management skills with the ability to prioritize and manage a pipeline of work

• High attention to detail with a focus on accuracy and compliance

• Ability to identify, assess, and escalate risk appropriately

• Strong problem-solving and critical thinking skills

• Proficiency in Google Workspace (Sheets, Docs, etc.) or similar tools

• Ability to work both independently and collaboratively in a fast-paced environment

• Proven ability to deliver timely and accurate results under deadlines

• High school diploma or GED required

• Compensation: competitive salary and 401k plan

• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits

• Food & meals: in-office snacks and drinks, and Bagel Fridays

• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.

• Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360 degree feedback

• Generous time off: 17 days paid time off, sick days, and 11 company holidays

• Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition

Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to [email protected] if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.