German speaking Credit Analyst (Based in Paris)
Younited Credit is reinventing the consumer loan industry in Europe.
Founded in 2009, Younited Credit is the only European consumer lending platform to be fully authorized and regulated as a Credit Institution. Its innovative refinancing model allows professional qualified investors (both individuals and legal entities: companies, insurers, foundations, pension funds, etc.) to directly finance consumer loans.
The company has raised more than €100 million of equity since launch (BPI, Crédit Mutuel Arkéa, Eurazeo, Schibsted-Le Bon Coin, AG2R la Mondiale, and business angels Xavier Niel, Pierre Kosciuzko-Morizet, Weber Investissements), has passported its license in 10 countries (France, Italy, Spain, Germany, Portugal, UK, Poland, Belgium, Romania, The Netherlands) and employs 300 people in Paris, Rome and Barcelona. Younited Credit has originated over a billion euros in consumer loans to 200 000 households.
In the context of the launch of Younited Credit on the German market, you will be a key part of the initial operational team.
As a result, you will work on all the activities related to the granting of consumer loans:
Analyze the solvency of customers who applied for a loan aiming at making proper decisions by strictly applying the company’s granting policy
Analyze credit files (personal loans for individuals), analyzing in details the consistency of customer information
Check and validate the authenticity, validity and reliability of the supporting documents sent
Always be vigilant when detecting potential fraudulent applications
Verify the conformity of the documents using Younited various available tech tools
Contact customers by phone when necessary to follow up on their application
Decide on the granting of credits within the defined signature authority
Give the order to unlock the funds for clients
Actively participate in continuous improvement of the processes and granting policy for the German market
If you want to evolve in a stimulating and international environment, in very strong growth and contribute to the development of a major player of the Fintech in Europe, this job is for you!
Skills required :
Fluent in German, and English or French
Minimum 2 year-experience as a Credit Analyst / Granting Analyst in a credit institution or a leading bank
Bachelor or Master Degree training type Finance / Banking
Very good analytical and writing skills
Good interpersonal skills
Good knowledge of excel
You are open-minded and have an entrepreneurial spirit
You like challenges and the dynamism of start-ups
You are adaptable and innovative
Place of work: Paris