Credit Risk Manager (F/H)

Lever, Inc.; Paris; Sur place; EUR 85 000 - 120 000; Plein temps

Résumé du poste

Younited seeks a Credit Risk Manager to support profitability while controlling risk across Personal Loans and POS. You will manage a defined perimeter and collaborate with CPM, Operations, Risk, and the relevant Business Unit to ensure proper credit production.

You will apply quantitative analysis to identify deviations from targets and translate insights into clear, actionable recommendations that optimise pricing and risk control.

Qualifications

• The Credit Strategy Management team is at the heart of Younited's strategy.
• Its mission is to support profitability while keeping risk within the established risk appetite.
• It drives high-quality credit origination across Personal Loans and Point of Sale.

Responsabilités

• As Credit Risk Manager, you will manage an assigned perimeter and help ensure credit production meets targets by segment, pricing and risk.
• You will use quantitative analysis and collaborate with CPM, Operations, Risk teams and the Business Unit to identify deviations and recommend actions.

Description du poste

At Younited, we believe credit and banking should feel as simple, fast and transparent as everything else in your digital life.

So we build financial services that way. We combine technology, data and automation to rethink the way people borrow, pay, save and manage their money.

More than 1.5 million customers already use Younited across Europe.

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.

Our ambition is to build a financial partner people genuinely trust, combining simplicity, transparency and responsible finance. As a certified B Corp, we integrate social and environmental considerations into the way we build our business.

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.

We give passionate problem-solvers the space to do their best work in diverse and inclusive teams across Europe, because that is how we build better financial products for our customers and partners.

Join Younited and help us build the next generation of consumer finance and banking in Europe.

Context

The Credit Strategy Management team is at the heart of Younited’s strategy. Its mission is to support profitability while keeping risk levels within the established risk appetite, ensuring high-quality credit origination and continuously improving the decision system across the Personal Loans and Point of Sale businesses.
As Credit Risk Manager, you will manage an assigned perimeter and help ensure that credit production meets business targets by customer segment, pricing and risk level. Through quantitative analysis and close collaboration with CPM, Operations, Risk teams and the relevant Business Unit, you will identify deviations from target, assess their impact and turn your insights into clear recommendations.