Job details

Product Manager - Risk (F/H)

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 5 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, Lisbon, and Munich.

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://group.younited.com/careers

📋 Context

We are seeking a talented and motivated Risk Product Manager to join our Product team at the heart of our business as a leading credit platform. This role is integral to the Risk domain, a core area of focus within the company.

As the Risk Product Manager, you will report directly to the Lead Risk Product Manager, who will support you in developing your vision and guiding your career progression. This role offers a unique opportunity to interact with executive leadership, allowing you to present your strategies and solutions at the highest level.

In this position, you will act as a key link between business needs and technical execution, working closely with a dedicated development team of 4-6 people. From ideation to delivery, you will have end-to-end ownership of the product features you create, with the autonomy to drive your vision without intermediaries.

Your responsabilities :

[Vision] Develop, own and promote the vision, strategy, priorities, and key results for the product area — collaborating with other product, cross-functional, and company leaders to ensure alignment with our company strategy, and generate buy-in and support.

[Goal Setting]Define what success looks like in terms of goals and metrics to have measurable and tangible impact on the overall business & strategy. Contribute to strategic decision-making for the Younit, aligning it with overall company goals and stakeholders.

[Discovery]Understand key challenges & risks, competitive positioning, business and tech opportunities working alongside main stakeholders, user research team and analytics to evaluate the right priorities to be added to the Younit backlog.

[Roadmap] Define and communicate the most impactful roadmap with your team and stakeholders that will address your Younit’s goals whilst integrating within Younited overall platform roadmap. Fill in the 12 months now-next-later roadmap every quarter.

[Build] Work hand in hand with your team, business owners and designers to build & specify the right solutions. With the help of lead deliveries, frame features and identify dependencies to ensure an iterative product approach and coherence with Younited platform.

[Planning] Prepare the backlog with the developers by ensuring that user stories are ready. Plan evolutions within the release process and define SMART sprints for the team in accordance with product & tech OKRs

[Impact measurement] Communicate to the team and main stakeholders' delivery schedule, meaningful impacts and insights from success and failures.

🫵 About your profile

Bac+5 in engineering school, business or equivalent academic
5 years of experience or product management with a bonus for FinTech
You have strong communication skills: you are not afraid to share your ideas with your peers and with C-levels
You anticipate future trends and can have a long-term vision
You are strong at summarizing and simplifying complex problems and ideas
You are comfortable building trust-based, value-added relationships with team members and senior executives
You are very curious and have a genuine interest in finding the best way to solve problems for your customers
You have strong analytical skills and always challenge assumptions with facts and figures
You are customer centric, you always put your customer interest first

Exceptional analytical and quantitative problem-solving skills
Ability to communicate complex ideas effectively, both verbally and in writing, in English and French

🤝 About your future manager

His background : Stan joined Younited over a year ago and held various positions before becoming Lead Product for the decision area. With a wealth of experience in the banking and fintech sectors, he is ready to share his expertise and confidently take on new challenges.

👥 Recruitment process

- A first video chat with Aurélien, Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)

- An interview with Stanislas, Lead Risk Product, your future manager.

- A business case to do at home & prensented with members of the team

- An interview with Arnaud, Chief Product Officer

🎁 Other benefits from joining Younited ?

- Offices in the center of Paris (9th)

- An international work environment and the opportunity to do a mission in one of our international offices (Barcelona, Lisbon, Roma)

- An entrepreneurship mindset and a teamwork spirit

- An individualized managerial and HR support during onboarding and throughout the Younited journey

- A continuous learning environment with the opportunity to take individual and collective trainings and "Friday workshops" in Tech department

- A particular attention to the work/life balance

- Support for young parents, including the opportunity of being part-time the week of return to the office

- The opportunity of getting involved throughout the year with associations as well as an annual offered solidarity day