Credit Risk Manager

What we build

• • Younited Credit – instant consumer credit, directly accessible to customers.
  • Younited Pay – instalment payment and financing solutions embedded into our partners' customer journeys.
  • Younited Cashback – cashback and personalised offers, enhanced by open banking data.
  • Younited Bank – our everyday banking offering, currently available through helios by Younited and being expanded.

Younited in a few figures

• • 4 European countries, with close to 50% of our business generated outside France.
  • ~500 Younies across Paris, Rome, Barcelona and Lisbon.
  • Trusted by leading companies including Iliad, Bouygues Telecom, Free, Bpifrance, Apple, N26, Fortuneo, Smeg and Thermomix.

The 5 values we work by

• • Make it simple - in the product, in the customer experience and in how we organise. Be transparent.
  • Act as an entrepreneur - take ownership, play as a team, dare to try and accept failure.
  • Innovate or die - challenge the status quo, however impossible it may seem.
  • Faster is better - speed over perfection, alignment over debate.
  • No limit - shoot for the moon, stay humble.

Context 📄

Key responsibilities 🚀

• Assess whether origination, customer segments, pricing, default and recovery levels are aligned with business targets
• Analyse financing cohorts and portfolio and generational risk to identify deviations from target and assess their potential impact on P&L and business results
• Provide recommendations to the Business Unit on segment strategy, including whether segments should be opened, maintained or closed

• Work with CPM on default and recovery curves, risk assumptions, scores and rates, including country-specific topics and salary-linked loans.
• Analyse current production and balance-sheet risk to determine whether performance is in line with target.
• Formulate clear, data-driven recommendations based on your analyses.

• Act as a bridge between CPM, Operations, Risk teams and the relevant Business Unit, explaining origination performance and risk trends.
• Contribute to the monthly risk cycle, Risk Committees, ongoing projects and the monthly risk report.
• Communicate clearly with country CEOs, local Risk teams, CPM, ERM and senior stakeholders.

About you 👇

• You graduated from a top-ranked engineering school, business school or university and have at least 3 years of experience in a quantitative or analytical role, ideally in consulting, internal audit, banking, investment banking, fintech or payments,
• You have a strong quantitative background, are proficient in SQL and can analyse data quickly and independently. You are comfortable using Claude and AI tools,
• You are structured, able to take a high-level view and comfortable working with complex or uncertain topics,
• You have strong communication and stakeholder management skills, with the ability to build credibility and influence stakeholders across different teams,
• You are fluent in English and able to communicate clear, data-driven recommendations to international stakeholders.

Hiring process 📅

• A first video chat with Arthur, Lead Talent Acquisition, to get to know each other and discuss Younited, its culture and values (30 min),
• A meeting with Pierre, who is in charge of the Credit Strategy Management team (60 min),
• A business case to be presented to the team,
• Final discussions with a member of your future team (60 min), members of the Risk and Data teams (60 min), and a member of the Comex (30 min).

🎁 Other benefits from joining Younited ?

• Offices located in the heart of Paris (9th arrondissement)
• An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)
• An entrepreneurial mindset and strong team spirit
• Personalized managerial and HR support during onboarding and throughout your Younited journey
• A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development
• A strong focus on work-life balance
• A parenthood charter to support all family-related projects, with key measures
• Special leave for major life events, often more generous than legal requirements
• An hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year
• 33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)
• Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate
• Meal vouchers (€10 per day, 60% covered by the company)
• Team buildings in France (Summer Party & Winter Party), abroad, and within your team