Younited
Younited
501 – 1,000 Employees
ConsultingFinanceInsurance
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.

Fraud Manager, Data & AI

Lead data and AI initiatives to detect and prevent fraud across Younited’s digital credit, payments, cashback and banking services. Build group-wide controls, monitoring tools and prevention strategies.

Description

  • Help prevent external fraud across the Group.
  • Apply AI and data to improve fraud detection and prevention.
  • Own data-led prevention and create fraud controls for new products.
  • Build an anti-fraud framework with Business, Product and Data teams.
  • Design customer journeys that adapt to different levels of fraud risk.
  • Assess risks ahead of new banking services and cashback launches.
  • Track changes in fraud threats and prevention technology.
  • Trial new methods and lead proofs of concept.
  • Create and deploy smart tools that automate detection and support analysts.
  • Define and align fraud monitoring metrics.
  • Create dashboards and management reports.
  • Review trends, anticipate risks and recommend action plans.
  • Coordinate with anti-fraud teams across countries to share practices and align processes.
  • Follow European and local regulatory developments concerning fraud.

Requirements

  • Master’s degree in engineering, business, data, statistics or risk management.
  • Three to five years of experience in fraud prevention, risk management, compliance or data, preferably in banking, consulting or fintech.
  • Proficiency with Excel and SQL.
  • Working knowledge of AI tools, including machine learning and generative AI, and data visualization.
  • Strong understanding of credit fraud and AML/CFT topics.
  • Curiosity, initiative in following industry developments and analytical rigor.
  • Ability to work independently from initial idea through production deployment.
  • Comfort working in an international, cross-functional setting.
  • Fluency in English.
  • Italian, Spanish, Portuguese or German is an advantage.

Benefits

  • International work environment, with opportunities to take assignments at Younited offices in Barcelona, Lisbon and Rome.
  • Entrepreneurial culture and strong team spirit.
  • Personalized 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.
  • Focus on work-life balance.
  • Parental support charter.
  • Special leave allowances that often exceed statutory requirements.
  • Hybrid work, with two to three remote days weekly depending on the team, plus the option to work fully remotely for one week twice a year.
  • 33 days of paid leave.
  • Wellpass subscription, formerly Gymlib, with discounted access to more than 4,000 sports and wellness activities across France.
  • €10 daily meal voucher, 60% covered by the employer.
  • Team-building events in France, internationally and within teams.

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