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Back Market
Back Market

Payment & Risk Analyst

Other
Paris
A few days at home
Salary: Not specified
Experience: > 1 year
Education: Master's Degree

Back Market
Back Market

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The position

Job description

Back Market is the world’s leading refurbished electronics marketplace with a team of 650 people, powering operations in 21 countries (and counting!).

Named one of the World's Most Innovative Companies by Fast Company in 2019 and again in 2021, our mission is simple: empowering people to consume tech sustainably by offering folks a high quality, accessible, and more eco-friendly alternative to buying new electronics. Why? Refurbished tech helps lower our collective environmental impact. We have indeed contributed to avoid the production of more than 1,000,000 tons of CO2e worldwide since our launch in 2014.

Be part of an exciting and growing international adventure that will change the way the world consumes tech.

About the job:

In order to support its accelerated growth, Back Market is looking for a Payment & Risk Analyst to join its fast paced and dynamic Financial team in Paris.

As a Payment & Risk Analyst, your primary responsibility will be to manage various aspects of payment processing, risk assessment, and debt recovery to ensure a safe and secure environment for buyers and sellers. You will play a crucial role in preventing fraud, monitoring seller risk, and supporting the smooth operation of the marketplace's payment ecosystem.

Key areas of focus include Know Your Business (KYB) processes, payout support, debt recovery, and seller risk monitoring.

YOUR MISSION (IF YOU ACCEPT IT): 🏅

  • [Know Your Business (KYB) Processes]
  • You will conduct thorough due diligence on new sellers, verifying their identities and assessing their legitimacy.
  • You will review and analyze business documentation and financial statements to ensure compliance with regulations and marketplace policies.
  • You will develop and implement effective KYB procedures to enhance risk assessment and onboarding processes.
  • You will maintain accurate records and documentation of KYB activities.
  • [Payout Support]
  • You will assist sellers with payout-related inquiries, troubleshoot issues, and provide timely resolutions.
  • You will collaborate with internal teams to resolve payment-related discrepancies and ensure accurate and timely disbursements.
  • You will monitor payout processes, identify potential bottlenecks, and propose improvements to streamline operations.
  • [Seller Risk Monitoring]
  • You will work hand in hand with the Seller/Quality teams to identify potential fraudulent or high-risk behavior from sellers.
  • You will utilize risk assessment tools, data analysis, and industry knowledge to proactively detect and mitigate risks.
  • [Debt Recovery]
  • You will identify delinquent sellers with outstanding balances and initiate appropriate debt recovery actions.
  • You will communicate with sellers to understand reasons for non-payment and negotiate repayment plans when applicable.
  • You will collaborate with legal teams or collection agencies, if necessary, to recover outstanding debts.
  • You will maintain accurate records of debt recovery activities and update relevant systems.
  • [Compliance and Reporting]
  • You will stay up to date with relevant regulations, industry standards, and best practices related to payments, fraud prevention, and risk management.
  • You will collaborate with internal compliance teams to ensure adherence to legal and regulatory requirements.
  • You will prepare regular reports on payment processing, risk analysis, and debt recovery metrics for management review.

    • YOU ARE IN THE RIGHT PLACE IF: ⭐

  • You are fluent in english and french
  • You are graduated from a Licence and/or Master's degree
  • You have 1-2 years of experience
  • You have an investigative mind and you are highly detail oriented
  • You have a strong sense of confidentiality and integrity
  • You have excellent analytical skills with the ability to interpret data and make informed decisions
  • Knowledge of Know Your Business (KYB) processes and anti-money laundering (AML) regulations is recommended
  • SQL skills are a plus

    • WHY SHOULD YOU JOIN US ? ✌🏼

    - A meaningful job: you will help avoid thousands of tons of electronic waste and fight against planned obsolescence. It counts!

    - A meaningful company: we became a mission-driven company in January 2022.

    - Be part of a worldwide growing company based in Europe, the USA and Asia to face great challenges : you will have the freedom to innovate and adopt new ideas!

    - Work alongside passionate experts:  who will share their knowledge and help you develop and grow in your career. 

    - Grow your career: with a flexible career path and a dedicated Learning & Development team. Back Market will help you evolve with personalized internal trainings and external handpicked providers from day 1!

    - Leadership Academy by Back Market:“be a coach not a dictator” is at the core of this program ! We train and enable all our leaders to support their team towards achieving goals. Be a manager at Back Market is an unique experience we take by heart.

    - An attractive salary, equity and a host of benefits including : Lunch voucher, health insurance, relocation package, paid time off for activism in your community, parental benefits, flexible hours, etc…

    - Remote friendly company : up to 3 days of remote work per week!

    - One Loving Tribe: you will have the opportunity to work in a fast-paced, open-minded and friendly environment. 

    - Be part of one of our Employee Resource Groups createdaround shared identities, common backgrounds and/or special interests crafted to be a safe space and an expressive outlet. 

    - Several internal events: The Monday Brief (weekly)/ The Somehands (monthly)/ The All Hands (annual).

    - We’re here to SABOTAGE: It’s our mantra. It keeps us focused on what we aspire to be: a little bit sneaky, always smart, kinda frugal and constantly conspiring to create maximum impact.

    Back Market is an Equal Opportunity Employer which means we pledge to not discriminate against employees based on race, color, religion, sex, national origin, age, disability or genetic information.. If reasonable accommodations are needed for the interview process, please do not hesitate to discuss this with the Talent Acquisition Team.

    Back Market is helping to address one of the biggest challenges of our time: climate change. We take this so seriously that we were awarded status as a “Société à Mission”, or company with a social mission, by the French government. We know we can’t tackle a global problem without a globally representative team so we are committed to embedding diversity, equity and inclusion principles in every aspect of our organization. But more importantly, being One Loving & Free Spirited Tribe is in our DNA as it is one of the five foundational values of our company since we got started way back in 2014. We are committed to hiring and supporting diverse teams of people from all backgrounds, experiences, and perspectives. We know our lofty goals cannot be reached unless everyone has a seat at the table along with the resources and opportunity to grow.

    Want to know more?