Credit Strategy Manager (F/H)

Younited; Paris; On-site; EUR 90,000 - 120,000; Full time

Job summary

Younited is reshaping consumer credit across Europe by combining technology, data and automation to improve how people borrow, pay and manage money. The Credit Strategy Management team focuses on profitability while maintaining risk discipline, supporting high-quality origination across Personal Loans and POS businesses.

As Credit Strategy Manager, you will lead a perimeter, monitor production and risk, and translate insights into concrete recommendations for CPM, Operations, Risk and the

Qualifications

• 3+ years in quantitative/analytical roles (fintech, banking or consulting).
• Strong quantitative background with ability to analyse data quickly and independently.
• Fluent in English with ability to communicate data-driven recommendations to international stakeholders.
• Experience with SQL and data tooling.

Responsibilities

• Monitor credit production and portfolio risk; assess alignment with targets and identify deviations.
• Develop credit analyses and recommendations; work with CPM on default & recovery curves and risk assumptions.
• Coordinate stakeholders and communicate insights; bridge CPM, Operations, Risk and Business Units; contribute to monthly risk cycle.

Skills

SQL

Claude

AI tools

Quantitative background

Communication & stakeholder management

fluent English

Education

Engineering/Business school degree

Tools

Claude

AI tools

Job description

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 Strategy 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.

Key responsibilities

• 1) Monitor credit production and portfolio risk
  • 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
• 2) Develop credit analyses and recommendations
  • 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.
• 3) Coordinate stakeholders and communicate insights
  • 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.