Credit Strategy Manager H/F - Younited Credit

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 experienceMore 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 eeconomy 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:

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.

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.We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.