Internal Audit Manager
No salary listed
Expert
Master's
Paris, France
HybridHybrid schedule with two to three remote-work days per week; travel is required.
Risk & ComplianceInternal Audit & Controls
About the job
Requirements
- A business-school graduate or Bac+5 qualification in finance, audit, risk management, accounting, or control.
- At least 8 years of experience in audit, risk consulting, general inspection, or internal audit, including substantial internal-audit experience in a regulated environment such as banking, licensed fintech, insurance, or financial services.
- Strong knowledge of risk-based auditing, internal control, the three lines of defense, and key risks relating to financial activities, credit, payments, compliance, fraud, and anti-money laundering and counter-terrorist financing.
- Practical knowledge of the prudential and internal-control framework applicable to credit institutions.
- Demonstrated ability to build or redesign an internal audit function, not only execute audits.
- Interest in IT, data, and models, and comfort auditing highly automated processes.
- Strong judgment, integrity, rigor, pragmatism, and ability to provide constructive challenge.
- Excellent synthesis and writing skills in French and English, with fluent spoken English.
- Willingness to travel.
Responsibilities
- Design, implement, and develop an independent, risk-based internal audit function suited to the organization.
- Define the audit charter, methodology, and tools in accordance with IIA standards and regulatory requirements, including the 3 November 2014 order and EBA internal-governance guidelines.
- Set the risk-based audit strategy and propose a multi-year audit plan to the Audit Committee.
- Establish a robust and sustainable Internal Audit function using an appropriate mix 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 controls, and compliance.
- Formulate and prioritize recommendations, produce audit reports, monitor implementation, and report 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 discussions with the supervisor; act as a contact for statutory auditors, investors, and partners.
- Coordinate work 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.
- CIA, CISA, CAMS, or equivalent certification.
About the company
Younited provides instant consumer credit across Europe, offering loans up to €50,000 with terms up to 84 months. It uses open banking to assess credit by accessing customers' financial data and serves brands, e-merchants, and neobanks through direct-to-consumer, merchant, and financial-partner channels. It differentiates through rapid European scale (65% of Europe) with leading positions in five countries, a high TrustPilot score of 4.8/5, and the Younited Coach AI tool for financial coaching. Its goal is to provide responsible, accessible credit at scale while helping customers manage money better through coaching and partnerships.
Company Size
501-1,000
Company Stage
IPO
Headquarters
Paris, France
Founded
2009
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Simplify's Take
What believers are saying
- 2025 loan stock reached €1.1 billion, up 44%, showing strong origination momentum.
- Younited reported first profitable quarter in Q4 2025 and targets above 10% RoE.
- Cashback launch on 18 June 2026 broadens product usage beyond plain consumer loans.
What critics are saying
- 9.227% Tier 2 funding signals expensive capital, pressuring margins through 2031.
- Delisting from Amsterdam and France redomiciliation add execution risk before H1 2026 close.
- Nexi launch is scheduled for first-half 2027; slow rollout delays merchant growth.
What makes Younited unique
- Younited combines instant credit, open banking, and merchant checkout financing across Europe.
- Visa and Nexi partnerships extend Younited Pay into cards and acceptance channels.
- 2025 transformation simplified structure and lifted revenue to €146 million, up 54%.
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Benefits
- Flexible Work Hours
- Remote Work Options
- Paid Holidays
- Paid Vacation
- Hybrid Work Options
- Meal Benefits
- Wellness Program