Credit Strategy Manager (F/H)

Younited; Paris; Hybride; EUR 90 000 - 120 000; Plein temps

Avantages offerts par ce poste

Offices in Paris

International work environment

Hybrid remote work

33 days paid holiday

Meal vouchers

Wellness program access

Team events

Résumé du poste

Younited, a leading fintech in Europe, seeks a Credit Strategy Manager to steer profitability and risk within Personal Loans and POS. You will lead analytics on origination, pricing and portfolio risk, partnering with CPM, Risk, and the Business Unit on strategic decisions.

You’ll collaborate across Europe, communicate insights to CEOs and senior stakeholders, and drive data-driven recommendations in a fast-paced, adaptive environment. Paris-based with hybrid remote options.

Qualifications

• Graduated from a top-ranked engineering school, business school or university with at least 3 years in a quantitative/analytical role.
• Strong quantitative background and SQL proficiency; able to analyze data quickly and independently; comfortable using Claude and AI tools.
• Structured, able to take a high-level view and handle complex or uncertain topics.
• Strong communication and stakeholder management, with ability to influence across teams.
• Fluent in English with ability to present data-driven recommendations to international stakeholders.

Responsabilités

• Monitor credit production and portfolio risk.
• Assess origination, segments, pricing, default and recovery levels against targets.
• Analyse cohorts and portfolio risk to identify deviations and impact on P&L.
• Provide recommendations on segment strategy (open/maintain/close).
• Develop credit analyses and recommendations.
• Work with CPM on default and recovery curves, risk assumptions, scores and rates, including country topics and salary-linked loans.
• Analyse current production and balance-sheet risk to ensure performance aligns with targets.
• Formulate clear, data-driven recommendations based on analyses.
• Coordinate stakeholders and communicate insights.
• Bridge CPM, Operations, Risk and Business Unit to explain origination performance and risk trends.
• Contribute to the monthly risk cycle, Risk Committees and monthly risk report.
• Communicate clearly with country CEOs, local Risk teams, CPM, ERM and senior stakeholders.

Connaissances

SQL

Data analysis

Stakeholder management

Communication

English proficiency

Formation

Top-ranked engineering school / business school / university

Outils

Claude AI

AI tools

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.

Key Responsibilities

• 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
• 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
• 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

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

Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.