We are looking for a credit risk analyst to support and grow our risk team. The main goal is to ensure iBanFirst ’ s counterparty credit risk exposure is controlled and maintained within the risk appetite and limits.

What will you do:

Providing assistance and support to the Credit Risk team in any risk-related matters, such as:

• Carrying out financial analysis on clients and liquidity providers and making recommendations that align with best practices and the group ’ s risk appetite.
• Managing multiple credit requests in a timely and effective fashion, producing well-researched and accurate credit reviews, and working directly with sales teams across business units to address credit requests and issues.
• Taking ownership in developing processes and procedures to limit risk and improve credit risk management efficiency.
• Preparing margin setup proposals for consideration by the client and management.

Monitoring credit risk exposures, such as:

• Ensuring that the credit risk exposure of a client is within the risk limits.
• Monitoring and reporting a client ’ s initial margin and variation margin position.
• Monitoring and reporting the exposure concentration of the group ’ s credit portfolio.
• Monitoring the progress of a margin call.
• Monitoring changing market conditions that might affect the credit quality of the group ’ s credit risk exposure. Providing timely alerts to the management for appropriate actions.

Creating and implementing rules and ideas to raise the business's risk management standard and the sales offices ’ risk awareness.

Reporting and Communication:

• Preparing credit risk MI reports for senior management and relevant stakeholders.
• Communicating effectively with various departments to convey risk-related insights and recommendations.
• Coordinating and participating in the Credit Risk Committee and following up on all action points.

What do you bring:

• Bachelor's or Master's degree in Finance, Economics, Risk Management, or a related field; advanced degree or relevant certifications (e.g., FRM, CFA) are a plus.
• At least two years of experience in credit risk management within the financial services industry.
• Exceptional analytical and problem-solving skills with the ability to interpret complex data.
• Excellent communication and interpersonal skills.
• Ability to work in a dynamic business and simultaneously demonstrate experience working on several projects.
• Good understanding of financial products
• A “ c an-do ” attitude and take ownership of the assigned tasks
• High standards of oral & written in English and French are mandatory.
• Fluency in other European languages (e.g. German, Spanish, etc.) is desirable.

What do we offer:

• Various missions and projects in an innovative and rising start-up in a thriving industry (fintech)
• A key role and a unique opportunity to shape the future of iBanFirst
• A great, professional and international team
• A nice work environment

Who we are:

iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely.

We make life easier for SMEs through an advanced technology platform (automation, APIs, AI … ) combined with dedicated expertise , offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner.

By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security.

Key figures

• 350+ employees across 13 offices in 10 European countries
• 30+ nationalities represented, average age: 32
• 10,000 corporate clients trust us
• € 6 5M in revenue in 2024 , with a target of around € 8 5M in 2025
• Profitable for nearly two years
• Ranked for 6 consecutive years in the Financial Times FT1000 , among the fastest-growing European companies
• An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service

A s trong culture built around 4 core values

Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together.

Tenacity : We ’ r e transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA.

Transformation : Innovation is not a buzzword; it ’ s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact.

Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It ’ s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability.

Why join us?

• We operate at the heart of a strategic and fast-evolving sector : international payments for SMEs — a complex, high-potential market.
• We ’ r e driven by a meaningful mission: helping bold “ S mall & Medium Multinationals ” succeed globally.
• Our platform integrates cutting-edge technologies (AI, automation … ) , making it an ideal playground to test, learn, and innovate continuously .
• You ’ l l join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions.
• iBanFirst is profitable and backed by long-term investors:
• Xavier Niel and Bpifrance , historical shareholders, have supported and trusted us from the beginning
• In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions