Risk & Data Analyst

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:

1. Directly to consumers (Younited Credit / Younited Pay)
2. 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 & Data 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 & Data Analyst will operate under the direct supervision of the Risk & Pricing Manager, actively contributing to risk assessment and mitigation strategies.

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

1. Data-Driven Risk Monitoring: Oversee comprehensive monitoring and analysis of risk KPIs across all product lines, transforming complex data into strategic insights that drive proactive risk management.
2. Policy Development and Optimization: Innovate and refine risk and fraud policies, focusing on emerging areas such as Instant Credit and new Credit Bureau services, to strengthen decision-making integrity and operational efficiency.
3. Strategic Collaboration and Business Growth: Partner with cross-functional teams, both locally and with Paris-based central risk, to support high-impact initiatives, including Open Banking and Pay product launches, ensuring risk management excellence aligns with business growth.

What we are looking for:

Education and Knowledge:

1. Bachelor's/Master's degree in Economics, Statistics, Mathematics, or Engineering
2. Knowledge of the banking/financial sector
3. Excellent knowledge of the Office package (Excel, PowerPoint, Word)
4. Excellent knowledge of the English language
5. Nice to have: knowledge of PowerBI and Python

Soft Skills:

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

Experience:

1. At least 2 years of experience in the banking/financial sector

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

Office & Team Life

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

Experience Our Younited Life Benefits

1. Flexible Remote Policy
2. Parenting Policy
3. A competitive salary package
4. Welfare for you and your family
5. Ticket Restaurant

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