Credit Risk Manager

. Manage an assigned credit-risk perimeter and help ensure credit production meets business targets by customer segment, pricing and risk level .

Posted 9/25/2026full-timeParis • FranceMid-LevelSeniorWebsite

Tools & technologies

SQL

Key responsibilities & impact

Manage an assigned credit-risk perimeter and help ensure credit production meets business targets by customer segment, pricing and risk level
Assess whether origination, customer segments, pricing, default and recovery levels align with business targets
Analyse financing cohorts, portfolio risk and generational risk to identify deviations from target and assess potential impact on P&L and business results
Recommend to the Business Unit whether segments should be opened, maintained or closed
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
Act as a bridge between CPM, Operations, Risk teams and the relevant Business Unit
Explain origination performance and risk trends
Contribute to the monthly risk cycle, Risk Committees, ongoing projects and monthly risk report
Communicate with country CEOs, local Risk teams, CPM, ERM and senior stakeholders

What you’ll need

Graduated from a top-ranked engineering school, business school or university
At least 3 years of experience in a quantitative or analytical role
Experience ideally in consulting, internal audit, banking, investment banking, fintech or payments
Strong quantitative background
Proficient in SQL
Ability to analyse data quickly and independently
Comfortable using Claude and AI tools
Structured, able to take a high-level view and comfortable working with complex or uncertain topics
Strong communication and stakeholder management skills
Ability to build credibility and influence stakeholders across different teams
Fluent in English
Ability to communicate clear, data-driven recommendations to international stakeholders

Comp & perks

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
Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation