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Younited

Instant European credit via open banking

Internal Audit Manager

Internal Audit & ControlsConfirmed live in the last 24 hours
Full-timeParis, FranceNo salary listed

About the Job

Requirements

  • A business school diploma or Bac+5 in finance, audit, risk management, accounting, or control is required.
  • At least 8 years of experience in audit, risk consulting, general inspection, or internal audit, including significant internal audit experience in a regulated environment such as banking, licensed fintech, insurance, or financial services.
  • Mastery of risk-based auditing, internal control, the three lines of defense, and major risks related to financial activities, credit, payments, compliance, fraud, and anti-money laundering and counter-terrorist financing.
  • Concrete knowledge of the prudential and internal-control framework applicable to credit institutions.
  • Demonstrated ability to build or overhaul an internal audit function, not only execute audits.
  • Interest in IT, data, and models, and comfort auditing highly automated processes.
  • Excellent synthesis and writing skills in French and English, and fluency in English.
  • Willingness to travel.

Responsibilities

  • Design and lead the internal audit function, defining its charter, methodology, and tools in accordance with IIA standards and regulatory requirements, including the French Order of November 3, 2014 and EBA guidelines on internal governance.
  • Establish a risk-based audit strategy from the risk map and propose a multi-year audit plan to the Audit Committee.
  • Build a robust, sustainable internal audit function using an appropriate combination of internal resources and external expertise.
  • Conduct and supervise risk-based audits across Group operations, credit, payments, compliance and anti-money laundering, IT and cybersecurity, data, finance, and critical outsourced services.
  • Assess governance, risk management, internal control, and compliance.
  • Formulate and prioritize recommendations, produce audit reports, monitor their implementation, and report on progress.
  • Present audit findings and plan progress to the Audit Committee, Risk Committee, and Executive Committee.
  • Contribute to the annual ACPR internal control report, the RACI, and exchanges with the supervisor; act as a contact for statutory auditors, investors, and partners.
  • Coordinate with the second line of defense without replacing it, and promote a strong control culture across teams.

Desired Qualifications

  • Experience with credit scoring or artificial intelligence is appreciated.
  • CIA, CISA, CAMS, or equivalent certification is an advantage.

About the Company

Younited

Instant European credit via open banking

Younited provides instant consumer credit across Europe, offering loans up to €50,000 with repayment terms up to 84 months through direct-to-consumer channels, merchant partners, and financial partners. The product uses open banking to access customers’ financial data for quick credit assessment and approval, with funds disbursed rapidly and ongoing repayment management provided. It differentiates itself with rapid European scale, leading positions in five countries, prestigious partnerships, a high TrustPilot score, and an AI-powered financial coaching tool called Younited Coach that supports sustainable credit and financial empowerment. The goal is to deliver accessible, responsible instant credit at scale across Europe while helping people manage money better through coaching and broad partnerships.

Company size
501-1,000
Company stage
IPO
Headquarters
Paris, France
Founded
2009

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