We are looking for two profiles: 1 Long term contract and 1 internship for this position.

❓Purpose of the Job

As a credit analyst at Karmen, you will have the opportunity to grow the Karmen portfolio with your own opinion on each deal. As a credit analyst, your role will be key in the global Karmen’s strategy.

Indeed, at Karmen, we give our 100% confidence in the person who has just joined us. We are seeing every type of deal: from working capital deals to acquisition deals or high balance-sheet deals.

Directly in front of Karmen’s founders during the credit committee, you will have the unique opportunity to explain and debate your decision. To do so, you will be directly in contact with the customer (CFOs, CEO, advisors) for collecting information needed for the analysis.

As your responsibilities do not end with a decision, in any case of delinquency, you will be the first link with the borrower for negotiating and managing the collection in-late.

In addition, as you are working in FinTech, you will be involved in the improvement of Karmen’s risk evaluation model, customer journey, and product. Meaning that you will frequently work with the tech department.

🎯Main missions

• Day-to-day at Karmen:

  • Receiving deals from Karmen’s sales ;
  • Analyzing the transactions and finding the best financing solution for the company ;
  • Discussing with the management for understanding the business model and his strategy ;
  • Assessing risks and writing full IM for the credit committee ;
  • Fulfill credit committee expectations and customer interests ;
  • Negotiating terms with the customer ;
  • Presenting the offer ;
• Improving Karmen’s products and risk evaluation
• Improving credit process

🤝Main internal & external interactions

Internal

• Founders
• Tech team
• Sales team
• Credit team
• Partnerships team

External

• CFOs
• CEOs
• Advisors

💡Skills & Knowledge

Hard skills - theoretical knowledge

• Bac +4/5 with a specialty in Corporate Finance
• At least one conclusive experience in M&A, VCs, Credit, FinTech (corporate credit specialization), or advisors.
• French (written & spoken) + English (written) mandatory
• Pack Office (VBA or Python would be a plus)

Know-how

• Strong financials analysis mindset:

  • Balance sheet and P&L analysis
  • Reviewing bank statements thanks to our model
  • Create different scenarios based on the management business plan
  • Very good understanding of accounting
• Negotiation skills
• Good relationship
• Impartial and pragmatic

Soft & behavioral skills

• Humble
• Pedagogical
• Team spirit
• Resistant
• Very good organisation

👋 Recruitment steps

• A 30’ call with Jessica, Talent Acquisition & HR Manager, to discuss about your research and Karmen ;
• A take home case study to validate your skills in Finance and Credit Analysis ;
• A 1h visio with Antoine, Credit Chief Office, & Hugo, Credit Analyst, to discuss about your case study, the position and the team ;
• A 30’ coffee with Gabriel, CEO & Co-Founder, for a get to know each other ;

The recruitment process will last approximately for 2 to 3 weeks.