Credit Underwriting Manager

Younited

Lead Operations role overseeing credit request processing and risk management at Younited, a fintech startup. Manage a team and ensure compliance and performance in a growth-focused environment.

Posted 6/19/2026full-timeParis • 🇫🇷 FranceLeadWebsite

About the role

Key responsibilities & impact

Reporting to the Chief Operations Officer and working closely with the Risk Department, you will oversee credit application processing and control activities
Ensure a balance between commercial performance, risk control, regulatory compliance, operational quality and customer experience in a hyper-growth environment
Manage an in-house team of 4 employees
Ensure compliance with SLAs, quality standards and credit rules
Ensure achievement of performance targets for the internal team and the external service provider
Define the control plan in collaboration with the Risk and Quality teams
Ensure execution and drive corrective actions
Ensure application of credit rules and regulatory requirements
Identify operational risks and implement necessary mitigation actions
Challenge underwriting rules and contribute to the evolution of decision models
Leverage data to optimize performance, customer journeys and risk management
Propose and implement automation and artificial intelligence projects to improve efficiency

Requirements

What you’ll need

You have at least 10 years of experience, with significant time in a banking or fintech environment
You have previously managed a team and have proven managerial experience
You possess strong risk analysis skills and a good understanding of decision models
You are focused on operational performance and continuous improvement and rely on data/AI on a daily basis
You demonstrate cross-functional leadership and can collaborate effectively with Risk, Product, Data and Quality teams
You have a working level of English

Benefits

Comp & perks

Offices located in the heart of Paris (9th arrondissement)
An international work environment and the opportunity to travel to our offices abroad (Barcelona, Lisbon, Rome)
An entrepreneurial spirit and a strong team culture
Personalized managerial and HR support during onboarding and throughout your Younited journey
A continuous learning environment with access to external and internal training, an e-learning platform and “Friday workshops” within the Tech team to support individual development
A strong focus on work–life balance
A parental charter to support all family projects through key measures
For important moments in your personal life, exceptional leave often considerably more favorable than legal provisions
A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the possibility of one week of full remote twice a year
33 days of paid leave — 8 more than the legal 25 days (in place of the traditional RTT)
A subscription to the Wellpass platform (formerly Gymlib) with 4,000+ sports and wellness activities across France at a preferential rate
Meal vouchers worth €10 covered 60% by the employer
Team-building events in France (Summer Party and Winter Party), internationally and by team

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Applicant Tracking System Keywords

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Hard Skills & Tools

risk analysisdecision modelscredit application processingregulatory complianceperformance optimizationautomationartificial intelligence

Soft Skills

managerial experiencecross-functional leadershipcollaborationcontinuous improvementoperational performance