Posted 8 days ago

Credit Strategy Manager (F/H)

ParisHybrid

AI Summary

The Credit Strategy Manager monitors credit production and portfolio risk, develops data-driven analyses of default and recovery curves, and coordinates with CPM, Operations, Risk, and Business Unit teams to ensure origination meets profitability and risk targets.

About this role

At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s 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 “Younited Coach” 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 are B Corp certified, our social and environmental impact being at the heart of our strategic concerns.

So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…

Some key figures about Younited group:

· Younited operates in 4 European countries and generates nearly 50% of its business outside France.

· Younited employs about 500 Younies in Paris, Rome, Barcelona and Lisbon.

Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg and Thermomix.

Our 5 corporate values drive our daily job:

· Make it simple: At every level of the customer experience, the organization. Be transparent.

· Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.

· Innovate or die: Challenge the status quo, no matter how impossible it seems.

· Faster is better: Value speed over perfection. Be aligned on priorities.

· No limit: Shot for the moon, stay humble.

We empower passionate problem-solvers to collaborate, innovate and do their best work.

We’re building diverse and inclusive teams around the world — because that’s 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://younited.com/about-us/careers/

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 Strategy 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.

Skills

Country-specific Credit AnalysisCredit OriginationDefault CurvesERMMonthly Risk ReportingP&L AnalysisPortfolio RiskQuantitative AnalysisRecovery CurvesRisk Appetite FrameworksRisk CommitteesRisk ScoringSalary-linked Loans

Credit Strategy Manager (F/H)

About this role

Context 📄

Key responsibilities 🚀

Skills

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