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:
* Younited is present in 4 European countries
* Younited employs over 600 people in Paris, Rome, Barcelona, Lisbon
* Younited has forged several partnerships with prestigious players including Orange Bank, Microsoft, Bpifrance, Apple Premium Resellers, N26, Fortuneo, and Lydia
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:
* 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.
* 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.
* 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:
* Bachelor's/Master's degree in Economics, Statistics, Mathematics, or Engineering
* Knowledge of the banking/financial sector
* 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/financial sector
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.
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