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.

Today, more than 1.5 million customers trust us, and nearly 500 employees contribute to our growth across 4 European countries.

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.

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.

Context 📄

The Credit Strategy Management 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.

About you 👇

You graduated from a top-ranked engineering school, business school or university and have at least 3 years of experience in a quantitative or analytical role, ideally in consulting, internal audit, banking, investment banking, fintech or payments,
You have a strong quantitative background, are proficient in SQL and can analyse data quickly and independently. You are comfortable using Claude and AI tools,
You are structured, able to take a high-level view and comfortable working with complex or uncertain topics,
You have strong communication and stakeholder management skills, with the ability to build credibility and influence stakeholders across different teams,
You are fluent in English and able to communicate clear, data-driven recommendations to international stakeholders.

Hiring process 📅

A first video chat with Arthur, Lead Talent Acquisition, to get to know each other and discuss Younited, its culture and values (30 min),
A meeting with Pierre, who is in charge of the Credit Strategy Management team (60 min),
A business case to be presented to the team,
Final discussions with a member of your future team (60 min), members of the Risk and Data teams (60 min), and a member of the Comex (30 min).

🎁 Other benefits from joining Younited ?

Offices located in the heart of Paris (9th arrondissement)
An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)
An entrepreneurial mindset and strong team spirit
Personalized managerial and HR support during onboarding and throughout your Younited journey
A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development
A strong focus on work-life balance
A parenthood charter to support all family-related projects, with key measures
Special leave for major life events, often more generous than legal requirements
An hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year
33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)
Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate
Meal vouchers (€10 per day, 60% covered by the company)
Team buildings in France (Summer Party & Winter Party), abroad, and within your team

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

Younited

Credit Risk Manager

About the job

What we build

The 5 values we work by

Context 📄

Key responsibilities 🚀

About you 👇

Hiring process 📅

🎁 Other benefits from joining Younited ?

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