Younited is a European consumer finance company that uses technology to provide fast, transparent credit decisions and a streamlined borrowing experience. Its platform offers consumer loans for households in France, Italy, Spain, and Portugal, helping customers finance projects and purchases of up to €50,000. The company also develops financial coaching and insurance products, with a focus on responsible lending, clear pricing, and user experience. Younited is approved by the European Central Bank and supervised by the ACPR, and is working toward B Corp certification while advancing its ESG priorities.
Credit Risk Manager – Paris, Hybrid
Monitor portfolio risk and credit production at Younited, a European consumer-finance and banking company. Translate quantitative analysis into recommendations for business and risk stakeholders.
Description
- Own an assigned credit-risk perimeter and help align credit production with business targets across customer segments, pricing and risk levels.
- Evaluate whether origination, customer segments, pricing, default rates and recovery levels support business targets.
- Analyse financing cohorts, portfolio risk and generational risk to identify deviations and estimate their potential impact on P&L and business performance.
- Advise the Business Unit on whether customer segments should be opened, maintained or closed.
- Partner with CPM on default and recovery curves, risk assumptions, scores and rates, including country-specific topics and salary-linked loans.
- Review current production and balance-sheet risk to assess performance against target.
- Develop clear recommendations grounded in data.
- Connect CPM, Operations, Risk teams and the relevant Business Unit.
- Explain origination performance and emerging risk trends.
- Support the monthly risk cycle, Risk Committees, ongoing initiatives and monthly risk reporting.
- Engage with country CEOs, local Risk teams, CPM, ERM and senior stakeholders.
Requirements
- Degree from a leading engineering school, business school or university.
- At least three years of experience in a quantitative or analytical position.
- Ideally, experience in consulting, internal audit, banking, investment banking, fintech or payments.
- Strong quantitative capabilities.
- Proficiency in SQL.
- Ability to analyse data quickly and work independently.
- Comfort using Claude and other AI tools.
- Structured approach, broad perspective and confidence working with complex or uncertain topics.
- Strong communication and stakeholder-management abilities.
- Ability to establish credibility and influence stakeholders across teams.
- Fluent in English.
- Ability to present clear, data-driven recommendations to international stakeholders.
Benefits
- Paris office located in the 9th arrondissement.
- International environment with opportunities for assignments in the Barcelona, Lisbon and Rome offices.
- Entrepreneurial culture and strong team spirit.
- Personalised management and HR support during onboarding and throughout your time at Younited.
- Ongoing learning through internal and external training, an e-learning platform and Tech team Friday workshops.
- Strong emphasis on work-life balance.
- Parenthood charter supporting family-related projects through key measures.
- Special leave for major life events, often exceeding statutory requirements.
- Hybrid work policy offering two to three remote days per week depending on the team, plus the option to work fully remotely for one week twice a year.
- 33 days of paid holiday, including eight days above the statutory 25-day allowance instead of traditional RTT.
- Discounted access to the Wellpass platform, formerly Gymlib, covering more than 4,000 fitness and wellness activities across France.
- €10 daily meal vouchers, 60% covered by the company.
- Team-building events in France, abroad and within individual teams.
- Equal-opportunity employment regardless of minority status, disability, gender identity or sexual orientation.