Senior Analyst - Credit Risk & Underwriting

Location: Paris, France; hybrid work with most teams meeting in the office 2–3 days per week.

Salary: €62,185–€69,648 per year.

Company

Global fintech building an everyday finance network that helps consumers manage spending and financial decisions across multiple markets.

What you will do

• Evolve underwriting policy, credit risk models, or both based on experience.
• Turn open banking and transaction-level account data into credit risk decisions for the French market.
• Work with Risk, Product, and regional sales teams to align French underwriting with business needs and regulation.
• Balance consumer fairness, approval rates, and portfolio losses.
• Translate analytical findings into changes implemented by the business.
• Help move French underwriting toward a single global decisioning platform.

Requirements

• 3+ years of experience turning bank account and transaction data into credit risk decisions.
• Experience in the French market is preferred.
• Background in engineering, data science, mathematics, software engineering, business, or economics supported by hands-on credit risk experience.
• Strong SQL skills and experience working with large datasets.
• Fluent French required; comfortable working in English.
• Ability to explain data-driven conclusions to non-technical stakeholders.

Culture & Benefits

• Co-located team collaboration with office attendance typically 2–3 days per week.
• Opportunity to work on credit risk projects across France and other operating markets.
• Inclusive environment welcoming diverse skills, perspectives, and backgrounds.
• Final compensation depends on qualifications, skills, and experience.
• The role may be finalized as an Analyst or Data Scientist position depending on experience and team needs.