Credit Risk Analyst FinTech - Paris TWE42324
Posted 3 days ago by twentyAI
Negotiable
Undetermined
Undetermined
Paris, France
Summary: The Credit Risk Analyst role at a rapidly growing fintech organization in Paris involves developing and monitoring credit risk strategies for various lending products. The position requires collaboration with cross-functional teams to optimize credit offerings while ensuring compliance with local regulations. The analyst will also analyze customer performance and present insights to senior stakeholders. This role is pivotal in shaping lending strategies across France and Europe.
Key Responsibilities:
- Develop and monitor credit risk strategies for lending products including personal loans, credit cards, and overdrafts.
- Analyse customer and portfolio performance throughout all lifecycle stages, from acquisition to collections.
- Design and improve credit policies to strike the right balance between risk management and growth objectives.
- Collaborate with Data Science, Product, Engineering, and Compliance teams to launch and optimise credit offerings.
- Own risk performance metrics and present recommendations to senior stakeholders.
- Ensure all processes are in line with local regulations and internal risk frameworks.
Key Skills:
- Experience in credit risk, ideally in consumer lending or within the fintech sector.
- Degree in Mathematics, Statistics, Economics, Engineering, or a similar quantitative field.
- Familiarity with analyzing credit bureau data and internal behavioural models.
- Strong grasp of the credit lifecycle and risk modeling techniques.
- Fluent in both French and English.
- Experience in startups or high-growth environments.
- Understanding of European or French regulatory frameworks (e.g., ACPR, PSD2, GDPR).
- Background in analytics for products such as credit cards, overdrafts, or buy-now-pay-later solutions.
Salary (Rate): undetermined
City: Paris
Country: France
Working Arrangements: undetermined
IR35 Status: undetermined
Seniority Level: undetermined
Industry: Finance
Credit Risk Analyst
Innovative global fintech organization empowering millions of users with cutting-edge financial solutions.
Rapidly growing across Europe, focused on transforming the way people interact with their money.
Role Responsibilities
As a Credit Risk Analyst based in Paris, you will play a crucial part in shaping consumer and business lending strategies across France and Europe. Working closely with data, models, and cross-functional teams, you will:
- Develop and monitor credit risk strategies for lending products including personal loans, credit cards, and overdrafts.
- Analyse customer and portfolio performance throughout all lifecycle stages, from acquisition to collections.
- Design and improve credit policies to strike the right balance between risk management and growth objectives.
- Collaborate with Data Science, Product, Engineering, and Compliance teams to launch and optimise credit offerings.
- Own risk performance metrics and present recommendations to senior stakeholders.
- Ensure all processes are in line with local regulations and internal risk frameworks.
Role Requirements
- Experience in credit risk, ideally in consumer lending or within the fintech sector.
- Degree in Mathematics, Statistics, Economics, Engineering, or a similar quantitative field.
- Familiarity with analyzing credit bureau data and internal behavioural models.
- Strong grasp of the credit lifecycle and risk modeling techniques.
- Fluent in both French and English
- Experience in startups or high-growth environments.
- Understanding of European or French regulatory frameworks (e.g., ACPR, PSD2, GDPR).
- Background in analytics for products such as credit cards, overdrafts, or buy-now-pay-later solutions.
If you feel you have the relevant experience for this newly created opportunity then please apply to this advert and send your CV to Anna Dunne at twentyAI.
twentyAI’s Governance, Risk and Controls function are a team of specialist consultants covering Regulatory Compliance mandates, Risk and Financial Crime both permanent and temporary, across Financial Services, Technology and Energy.