Risk Strategy Manager (M/F)

Paris, France /
Risk & Data – Enterprise Risk Management /
Full Time
A leading Pan European lending and payment (“Buy Now Pay Later” solutions) platform in Europe, Younited has granted over 3Bn€ loans to 500k+ households since inception in December 2011 across five countries (France, Italy, Spain, Germany and Portugal), has over 1Bn€ Asset under Management and generates over 40m€ revenues in 2020.

Launched as a pure B2C platform in December 2011, Younited has been developing since December 2018 its B2B solutions, under the brand Younited Business Solutions, allowing financial institutions and e-merchants to offer its solutions to their clients.

Its advanced scoring and credit underwriting technologies allow to offer the easiest and fastest 100% online credit / “Buy Now Pay Later” application. As part of these technologies, Younited is the undisputable leader in Europe on leveraging PSD2 / open banking enabled banking transactional data in its risk & scoring technologies.

Younited is the only European lending and payment platform to be fully authorized and regulated as a Credit Institution. Its innovative refinancing model allows professional qualified investors (both individuals and legal entities: companies, insurers, foundations, pension funds, etc.) to directly finance consumer loans (see below for further details).

The company has raised more than 330m€ in equity since launch, has passported its license in 10 countries (France, Italy, Spain, Portugal, Germany, Poland, Romania, Belgium, Netherlands and Austria) and employs c. 500 staff in Paris, Rome, Barcelona, Lisboa and Berlin – of which 160+ in the fields of data science, engineering and software development.

Younited BtoB activity is growing thanks to two types of partnership offers:
- Younited, designed for banks, fintechs and insurers who wish to develop or improve a credit actity
- Younited Pay, designed for retailers, telcos, e-merchands who wish to offer to their customers the simplest method to pay in instalments

N26, Free, Bpifrance, Orange Bank, Fortuneo, Lydia & Microsoft already trust us and several partnerships are about to be launched.

📋 Context

As part of the strengthening of the Risk & Data team and reporting directly to the head of the "Enterprise Risk Management" group, you will join a fast-growing team and have a high level of responsibility for highly strategic and diversified subjects in close collaboration with the Partnerships, Tech, Data, Compliance and Internal Control teams and the various business lines (France, Italy, Spain, Portugal, Germany).

🚀 Your missions

    • This is therefore a cross-functional position with the following responsibilities:

    • New Product & Partnership approvals

    • ·       Lead Group-wide governance and process for new product and partnership approval, from business plan review with partnership teams to implementation of operational limits for Business Units
      ·       Identify and assess emerging risks when launching new products or partnerships
      ·       Implement risk mitigation measures consistent with the expected risk levels
      ·       Develop a set of KPI to monitor the growing number of partnerships in all the different countries

    • Outsourced activities monitoring

    • ·       Lead due-diligence activities for strategic partnerships to regularly assess risk and ensure compliance with the 2019 EBA guidelines on outsourcing
      ·       Lead annual risk analysis review by coordinating each department effort
      ·       Support the managers of outsourced services in the definition and implementation of level 1 controls
      ·       Develop and enhance policies and procedures to efficiently track partners and ensure adherence to the partnership risk strategy
      ·       Ensure the proper deployment of the Outsourcing Policy in all the different countries 

🚀 Your profile

    • You have a degree in engineering, business or equivalent university
    • You have been trained in structuring and analyzing problems in a consulting firm, bank or start-up for at least 4 years
    • You have excellent writing skills and are fluent in English
    • You like challenges, the entrepreneurial spirit and the dynamism of startups
    • You know how to show leadership and you have the ability to build relationships of trust with internal and external partners (Comex, B2B partners)
    • You are adaptable, proactive and autonomous

😎 Your profile

    • Bac+5 in engineering school, business or equivalent academic
    • 2-3 years of experience in consulting or product management
    • Entrepreneurial experience will be appreciated
    • Exceptional analytical and quantitative problem-solving skills
    • Ability to communicate complex ideas effectively, both verbally and in writing, in English and French
🎁 Benefits to join Younited ?

·       Localization in the center of Paris (Notre-Dame de Lorette, Paris 9ème)
·       A very strong company culture
·       An on-boarding tailored made to simplify your integration and meet all the teams
·       Monthly events (sport tournaments, conferences, afterworks …)
·       1 day per year offered to do volunteer work in an association
·       A Younitour (our company seminar) unforgettable (the last were at Ibiza, or in Sicilia ;))
·       Remote policy (8 days per month)