Risk Analyst Expert

In Younited our mission is to redefine e-credit processes to become your trusted financial partner.

Our vision is to help you achieve your financial wellbeing.

We also have started the process to become B-Corp certified.

We are the leading provider of instant credit for the e-economy in Europe. Constant innovation, cutting-edge technology and an exceptional user experience have enabled nearly over 1.2 million customers to access instant credit in a simple and transparent way, to renovate their home, go on vacation or buy a new smartphone.

We offer both credit and payment solutions:

• directly to consumers (Younited Credit / Younited Pay)
• via partners (banks, fintech & insurers who want to develop consumer lending activities, and retailers, telecom operators, e-merchants who want to offer their customers the easiest solution to pay in installments).

Some key figures about the Younited group:

1. Younited is present in 4 European countries.
2. Younited employs over 600 people in Paris, Rome, Barcelona, Lisbon.
3. Younited has forged several partnerships with prestigious players including Orange Bank, Microsoft, Bpifrance, Apple Premium Resellers, N26, Fortuneo and Lydia.

Our 5 corporate values that guide us every day:

1. Make it Simple: Go for simplicity at all levels of the customer experience and the organization. Be transparent.
2. Act as an entrepreneur: Take responsibility for your subjects, work as a team. Dare, try, accept to fail.
3. Innovate or die: Challenge the status quo, try the impossible!
4. Faster is better: Value speed over perfection. Align with priorities.
5. No limit: Be free, stay humble.

For its team based in Rome, Younited is looking for a Risk Analyst.

The selected professional will join the Risk & Pricing team, specifically integrating into the strategic Risk area. This area is crucial for managing and optimizing the risk performance of Younited's credit portfolio.

The Risk Analyst will operate under the direct supervision of the Risk & Pricing Manager, actively contributing to risk assessment and mitigation strategies.

The Risk Analyst will play a central role in the following activities:

• Advanced Monitoring and Analysis: Responsible for monitoring and reporting all risk KPIs for Direct and Via Partners products. This role requires meticulous attention and the ability to interpret complex data to guide strategic decisions.
• Innovation in Risk and Fraud Policies: Manage and optimize risk and fraud policies, with a special focus on Autogranting services and new Credit Bureau services. Their contribution will be crucial to maintaining the integrity and effectiveness of decision-making processes.
• Leadership in Transformation Committees: Actively participate in transformation and risk committees and be a key figure in local and international meeting presentations. Additionally, closely coordinate with central risk teams in Paris to align on global strategies.
• Strategic Projects: Engage in strategic initiatives, contributing with in-depth market analysis and participating in the definition of roadmaps and business cases for new products. This includes supporting the development of new technologies such as Open Banking and launching Pay products, ensuring new partnerships and products meet Younited's high standards in terms of risk management.

What we are looking for:

Education and Knowledge:

• Bachelor's/Master's degree in Economics, Statistics, Mathematics, or Engineering.
• Knowledge of the banking/financial sector, with expertise in Credit Risk Management.
• Excellent knowledge of the Office package (Excel, PowerPoint, Word).
• Excellent knowledge of the English language.
• Nice to have: knowledge of PowerBI and Python.

Soft Skills:

• Proactivity in supporting strategic initiatives and ability to actively contribute to continuous improvement.
• High competence in data analysis and strong orientation towards solving complex problems.
• Time management skills and the ability to prioritize activities in a fast-paced and dynamic work environment.
• Effective communication skills, both in teamwork and in interactions with internal and external stakeholders.

Experience:

• At least 2 years of experience in the banking/credit sector, within the area of Credit Risk Management or similar fields.

Contract and RAL will be evaluated during the interview phase according to the experience and needs of each candidate.

Office & Team Life

• A central building in Rome…few steps from Villa Borghese.
• Free coffee and a comfy kitchen to relax and do your lunch break.
• Free Beer every Friday.
• Biliardino and playstation.
• The latest in Hardware equipment.

Experience Our Younited Life Benefits

• Flexible Remote Policy.
• Parenting Policy.
• A competitive salary package.
• Welfare for you and your family.
• Ticket Restaurant.

Ready to lead the instant credit revolution? Want to become the next Younie? Apply and let's meet!