Head of ERM (Entreprise Risk Management) (F/M)

At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s banking products are opaque & overly complex.

Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience

More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.

We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through “Younited Coach” to all consumers willing to receive personalized recommendations.

Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.

We have initiated a B-Corp certification process, our social and environmental impact being at the heart of our strategic concerns.

So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…

Some key figures about Younited group:

·        Younited operates in 4 European countries and generates nearly 50% of its business outside France.

·        The company has raised more than 330m€ in equity since launch.

·        Younited employs more than c. 550 Younies in Paris, Rome, Barcelona and Lisbon.

Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Free, Bouygues Telecom, Orange Bank, Microsoft, Bpifrance, Apple, N26, Fortuneo and Lydia.

Our 5 corporate values drive our daily job:

·        Make it simple: At every level of the customer experience, the organization. Be transparent.

·        Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.

·        Innovate or die: Challenge the status quo, no matter how impossible it seems.

·        Faster is better: Value speed over perfection. Be aligned on priorities.

·        No limit: Shot for the moon, stay humble.

We empower passionate problem-solvers to collaborate, innovate and do their best work.

We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.

If you want to know more, click here: https://younited.com/about-us/careers/

📋 Context

The Head of Enterprise Risk Management will be responsible for developing, implementing, and overseeing the company's risk management framework. This role involves identifying, assessing, and mitigating risks across all areas of the business, including all non-financial risks such as operational, reputational, cyber, ESG and strategic risks.

Your responsabilities :

• Develop and implement a comprehensive enterprise risk management framework, including the Risk Appetite Framework and our internal limits. 
• Identify, assess, and prioritize risks across the organization by leading the New Product Approval and Risk & Control Self-Assessment processes 
• Leading transversal strategic risk projects and preparing presentations to the Senior Management and the Board Risk Committees 
• Design and implement innovative risk mitigation strategies and controls, including our anti-fraud framework in collaboration with Product and Data teams.  
• Collaborate with senior management to integrate risk management into strategic planning and decision-making to strengthen our risk culture and governance.  
• Ensure compliance with regulatory requirements and industry standards such as DORA, operational risk reporting or Recovery Planning in close collaboration with the Compliance and Internal Control teams 
• Lead and mentor a team of risk management professionals. 
• Stay up-to-date with industry trends and best practices in risk management. 

🫵 About your profile

• Master’s degree in finance, risk, or a related field. 
• Minimum of 10 years of experience in risk management within the financial services industry. 
• Strong knowledge of banking industry, risk governance, regulatory requirements and industry standards in Europe. 
• Excellent analytical and problem-solving skills. 
• Proven leadership and team management abilities. 
• Strong communication and presentation skills. 
• Ability to work effectively in a fast-paced, dynamic environment. 
• Proficiency in risk management software and tools. 
• Professional certification in risk management (e.g., FRM, PRM, CRISC) is a plus. 

🎁 Other benefits from joining Younited ?

-Offices located in the heart of Paris (9th arrondissement)

-An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)

-An entrepreneurial mindset and strong team spirit

-Personalized managerial and HR support during onboarding and throughout your Younited journey

-A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development

-A strong focus on work-life balance

-A parenthood charter to support all family-related projects, with key measures: 5 days of child sick leave, full salary maintained during maternity/paternity leave regardless of seniority, paid part-time return during the first week back, telework flexibility during pregnancy, 3 days of paid leave for both parents in case of miscarriage, etc.

-Special leave for major life events, often more generous than legal requirements (10 days for marriage/PACS, 2 days for moving, etc.)

-A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year

-33 days of paid time off

-Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate

-Meal vouchers (€10 per day, 60% covered by the company)

-Team buildings in France (Summer Party & Winter Party), abroad, and within your team

Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.