Credit Manager jobs in United States

At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today's banking products are opaque & overly complex.

Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience.

More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.

We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through Younited Coach to all consumers willing to receive personalized recommendations.

Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.

We have initiated a B-Corp certification process, our social and environmental impact being at the heart of our strategic concerns.

So join Younited, the leading instant credit provider for the e-economy in Europe! Be part of an amazing adventure that is only at its beginning…

Some key figures about Younited group:

• Younited operates in 5 European countries and generates nearly 50% of its business outside France.
• The company has raised more than 330m€ in equity since launch.
• Younited employs more than c. 550 Younies in Paris, Rome, Barcelona, Lisbon, and Munich.

Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Free, Bouygues Telecom, Orange Bank, Microsoft, Bpifrance, Apple, N26, Fortuneo and Lydia.

Our 5 corporate values drive our daily job:

• Make it simple: At every level of the customer experience, the organization. Be transparent.
• Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.
• Innovate or die: Challenge the status quo, no matter how impossible it seems.
• Faster is better: Value speed over perfection. Be aligned on priorities.
• No limit: Shoot for the moon, stay humble.

We empower passionate problem-solvers to collaborate, innovate and do their best work.

We're building diverse and inclusive teams around the world — because that's how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.

At Younited, the Partnerships team manages all intermediated credit activity. We offer two solutions:

• Younited Pay, an instalment facility popular with merchants and customers for major purchases.
• Younited Credit via Partner, a solution that allows financial institutions to easily offer consumer credit to their customers.

Since its creation in 2019, the Partnerships business has developed strongly, with growth of over 100%! We work with prestigious partners such as Bouygues Telecom, Bpifrance, Microsoft, etc. in France, Italy, Spain and Portugal.

Within Partnerships, the Project & Operations team covers a wide range of activities, from supporting the sales phase to onboarding new partners on our solutions (industrial or dedicated), including monitoring and managing the life of the partnership (improvements, operations, etc.).

As Project Manager - Lead Credit, you will be responsible for developing the Credit business in collaboration with the other Partnerships teams in Europe, in two main areas:

• The development of our industrial offering, enabling the simple implementation of a credit solution for our financial institution partners.
• The development and monitoring of our strategic partnerships and dedicated solutions for our major partners. You will enjoy a high degree of autonomy, allowing you to exercise your sense of initiative. You will work in collaboration with a large number of internal teams (Sales, Product, Tech, Operations, etc.) as well as partner teams.

Your responsibilities:

• HELPING TO ENSURE THE COMMERCIAL SUCCESS OF OUR CREDIT BUSINESS:
• Taking part in the pre-sales and sales phases, to present the solution, understand partners' needs and identify the most appropriate solution.
• Contribution to RFI, RFP (Request for Information / Proposal).
• Identifying market needs to keep solutions at the forefront of partner requirements.
• SUPPORTING PARTNERS ON THE INDUSTRIAL SOLUTION AND ON DEDICATED SOLUTIONS:
• Onboarding new partners in France and Europe (in liaison with local teams) on our industrial solution.
• Identifying, specifying and monitoring developments to continuously improve our solutions in conjunction with the Tech and Product teams.
• Support partners during the RUN phase to ensure their satisfaction and proactively identify ways of optimising our internal processes.
• Manage potential dedicated projects for strategic partners.
• Act as the main point of contact for external and internal teams on credit issues.
• Contribute to the overall development of the Partnerships business through related issues (operations, performance).

About your profile:

• Master degree higher education in business or engineering (or academic equivalent).
• 5+ years' professional experience in consulting, financial services or start-ups with links to financial institutions.
• Good analytical skills.
• Demonstrated initiative and dynamism.
• Solution-oriented mindset.

About your future manager:

His background: Clément spent 4 years at Kearney in strategy consulting. This experience enabled him to work in different countries and sectors, particularly in the payment industry. He joined Younited in 2020 as Project Manager and is now in charge of the Projects & Operations team within Partnerships.

His vision about the ways of working at Younited and the role: This job involves a wide variety of activities both in France and internationally. You will be responsible for a key area of the Partnerships business, with the opportunity to develop it further. Personal initiative is more than welcome and valued, in an entrepreneurial spirit.

Recruitment process?

• A first video chat with Aurélien, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30').
• An interview with Clément, Head of Projects & Operations, your future manager.
• A business case to do at home & presented with members of Projects & Operations Team.
• An interview with Pierre-Marin, Partnership Managing Director.

Other benefits from joining Younited?

• Offices in the center of Paris (9th).
• An international work environment and the opportunity to do a mission in one of our international offices (Barcelona, Lisbon, Roma).
• An entrepreneurship mindset and a teamwork spirit.
• An individualized managerial and HR support during onboarding and throughout the Younited journey.
• A continuous learning environment with the opportunity to take individual and collective trainings and "Friday workshops" in Tech department.
• A particular attention to the work / life balance.
• Support for young parents, including the opportunity of being part-time the week of return to the office.
• The opportunity of getting involved throughout the year with associations as well as an annual offered solidarity day.
• A flexible remote policy: from 8 days of remote per month to almost full remote for Tech (minimum 4 days at the office per month).
• 33 days of paid leave.
• Team buildings in France, internationally and within your team.

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