Credit Strategy Analyst (B2C & B2B) (F/M)

Paris, France /
Risk & Data 鈥 Credit Strategy Management /
Full Time
/ Hybrid
At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today鈥檚 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 鈥淵ounited Coach鈥 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鈥恊conomy in Europe! Be part of an amazing adventure that is only at its beginning鈥
 
Some key figures about Younited group:
路        Younited operates in 5 European countries and generates nearly 50% of its business outside France.
路        The company has raised more than 330m鈧 in equity since launch.
路        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 FreeBouygues TelecomOrange BankMicrosoftBpifranceAppleN26Fortuneo and Lydia.
 
Our 5 corporate values drive our daily job:
路        Make it simple: At every level of the customer experience, the organization. Be transparent.
路        Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.
路        Innovate or die: Challenge the status quo, no matter how impossible it seems.
路        Faster is better: Value speed over perfection. Be aligned on priorities.
路        No limit: Shot for the moon, stay humble.
 
We empower passionate problem-solvers to collaborate, innovate and do their best work.
We鈥檙e building diverse and inclusive teams around the world 鈥 because that鈥檚 how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.

If you want to know more, click here: https://group.younited.com/careers

馃搵 Context

The Credit Strategy management team is at the very heart of Younited strategy by being in charge of credit risk. The team鈥檚 mission is to support Younited hypergrowth while optimizing risk to ensure that we stay within our risk appetite. Risk strategy has a massive impact on our Direct and Via Partner business plans and must be managed to enable:
路        Strong and high quality origination
路        Risk levels in line with our risk appetite
路        A smooth user experience
路        Robust and innovative our instant granting product

The Credit Strategy Management team is an energetic international team leveraging state-of-the-art AI tools to design and run our global decision engine.

Always open to new ideas and with a strong sense of supportive and collaborative team spirit, the Credit Strategy Management team is fully result oriented, committed to realizing our ambition of providing the best solution of automatic credit decision in Europe!

Your responsabilities

    • 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.

    • As Credit Strategy analyst for a given perimeter (including Direct and Via Partner business lines), you will be responsible for:
    • Managing credit strategy and corresponding risk levels by being the decision maker on all risk aspects
    • Contributing to our new products rollout, especially instant granting
    • Ensure successful delivery if strategic partnership

    • Your daily activities will include
      1)      Shaping the best credit solutions by leveraging internal expertise:
    • Own the risk performance of Younited鈥檚 product, making efficient credit policy decisions to steer the product towards growth goals within the established risk appetite
    • Connect with cross functional teams including Fraud team, Datascience team, Quant team, Sales team, Product team to drive a robust strategy
    • Perform quantitative analysis, guide discussions and related diagnostic exercises to monitor Credit solution performance and propose adjustments when relevant

    • 2)      Leading decision strategy discussions with our internal (Country CEOs / COmex) and external partners (e-merchant, banks):
    • Define and explain your recommendations to optimize the credit solution provided to our internal and external partners
    • Implement a governance enabling to continuously improve decision strategy and corresponding risk levels
    • Manage relationships on Risk topics

    • 3)      Following the implementation of your recommendations with the Tech team:
    • Verify that the implemented features match with your target solution proposal
    • Communicate on implemented features and maintain decision strategy cartography

馃About your profile

    • Prior Experience: 2-5 years of background from consulting, investment banking, fintech/payments company, retail e-commerce or other high growth organization with operational experience in a quantitative or analytical role
    • Attitude: Positive, solution-oriented, growth mindset, and leadership. Hunger to take ownership of business problems and drive your personal development. Capacity to build consensus across multiple teams
    • Problem Solving Skills: The ability to identify and isolate trends and connect them to customer behavioral patterns and business impacts
    • Data Analytics Skills: Basics in pulling data (SQL) and proficiency in performing analysis (excel).
    • Communication Skills: Ability to effectively communicate actionable data-driven insights to audiences of all levels.
    • Project Management Skills: Ability to define destination state, assess current state, and deliver a plan to close the gap. Experience defining key milestones/KPIs and managing stakeholder relationships, including through demos and communications
馃懃 Recruitment process
路        A first video chat with Sharone, Global Talent Acquisition, to get to know each other and tell you more about Younited, our corporate culture & values (30鈥),
路        A meeting with Bilal, who is in charge of the CSM team (60')
路        A business case to be presented to one of team members鈥,
路        A meeting with members of Risk and Data team (60鈥),鈥
路        A meeting with member of your future team in order to give you a complete overview of what your daily life ! (60鈥)
路        A meeting with Comex member (30鈥)

馃巵 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, Munich, 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
- Luncheon voucher card
- Snacks and fruit baskets twice a week
- Team buildings in France, internationally and within your team

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