Credit Risk Manager (F/H)

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 Man agement 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.

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.