Sales Consultant Assistant

CAIXABANK PAYMENTS & CONSUMER; Comunidad Valenciana; Presencial; EUR 40.000 - 80.000; Jornada completa

Descripción de la vacante

An innovative firm is seeking a Business Unit Risk Manager to lead risk strategy implementation. This role involves collaborating with cross-functional teams to optimize credit solutions and manage relationships with external partners. The ideal candidate will possess strong analytical skills, a growth mindset, and experience in fintech or consulting. Join a dynamic team committed to enhancing decision-making processes and driving business growth in a fast-paced environment. If you're ready to take ownership and make a significant impact, this opportunity is for you.

Formación

• 3-7 years of experience in a quantitative or analytical role.
• Background in consulting, investment banking, or fintech.

Responsabilidades

• Lead implementation of risk strategy within the business unit.
• Monitor and optimize decision processes for credit solutions.

Conocimientos

Data Analytics Skills

Problem Solving Skills

Project Management Skills

Communication Skills

Educación

Degree in Finance or related field

Experience in consulting or fintech

Herramientas

SQL

Excel

Power BI

Descripción del empleo

The Risk team is at the very heart of Younited strategy by being in charge of credit risk.

The team’s mission is to support Younited hypergrowth while optimizing risk to ensure that we stay within our risk appetite. Risk strategy has a massive impact on our Personal and Point of Sales business plans and must be managed to enable :

• Strong and high quality origination
• Risk levels in line with our risk appetite
• Robust and innovative instant granting product

The Risk team is an energetic international team leveraging state-of-the-art AI tools to design and run our global decision engine.

Always open to new ideas and with a strong sense of supportive and collaborative team spirit, the Risk team is fully result oriented, committed to realizing our ambition of providing the best solution of automatic credit decision in Europe!

Your responsibilities

The Business Unit Risk manager will be responsible for leading the implementation of the risk strategy within the business unit. In close collaboration with the Central Risk team, the Business Unit Risk Manager is responsible for developing, implementing, and overseeing the company’s risk management framework. This role involves identifying, assessing, and mitigating credit risks across all areas of the business.

Your daily activities will include :

• Monitoring and optimizing the decision process to deliver the best credit solutions by leveraging internal expertise.
• Owning the business unit decision process performance, designing efficient credit policies to steer growth goals within the established risk appetite.
• Connecting with cross functional teams including Central Risk and Data team, Marketing, and Product to drive a robust decision strategy.
• Owning the business unit operational processes and performing qualitative and quantitative controls, guiding discussions and related diagnostic exercises to monitor credit solution performance and propose adjustments when relevant.
• Supporting decision strategy discussions with Country CEOs and Central Risk team.
• Defining and explaining your recommendations to optimize the credit solution provided to our internal and external partners.
• Supporting the central risk governance enabling us to continuously improve decision strategy and corresponding risk levels.
• Managing relationships with external partners on Risk topics.
• Following the implementation of your recommendations with the Tech team.
• Verifying that the implemented features match with your target solution proposal.
• Communicating on implemented features and helping maintain decision strategy cartography.
• Becoming the corporate ambassador of decision system at multiple levels of the organization, including Country CEO, Central risk team, external partners and functional leaders.

It's a match if...

• Prior Experience : 3-7 years of background from consulting, investment banking, fintech / payments company, retail e-commerce or other high growth organization with operational experience in a quantitative or analytical role.
• Attitude : Positive, solution-oriented, growth mindset, and leadership. Hunger to take ownership of business problems and drive your personal development. Capacity to build consensus across multiple teams.
• Problem Solving Skills : The ability to identify and isolate trends and connect them to customer behavioral patterns and business impacts.
• Data Analytics Skills : Basics in pulling data (SQL) and proficiency in performing analysis (Excel / Power BI) is recommended.
• Communication Skills : Ability to effectively communicate actionable data-driven insights to audiences of all levels.
• Project Management Skills : Ability to define destination state, assess current state, and deliver a plan to close the gap. Experience defining key milestones / KPIs and managing stakeholder relationships, including through demos and communications.

J-18808-Ljbffr