Credit Strategy Manager (F/H) Younited

Context 📄

The Credit Strategy Management team is at the heart of Younited’s strategy. Its mission is to support profitability while keeping risk levels within the established risk appetite, ensuring high-quality credit origination and continuously improving the decision system across the Personal Loans and Point of Sale businesses.

As Credit Strategy Manager, you will manage an assigned perimeter and help ensure that credit production meets business targets by customer segment, pricing and risk level. Through quantitative analysis and close collaboration with CPM, Operations, Risk teams and the relevant Business Unit, you will identify deviations from target, assess their impact and turn your insights into clear recommendations.

Key responsibilities 🚀

1) Monitor credit production and portfolio risk

• Assess whether origination, customer segments, pricing, default and recovery levels are aligned with business targets

• Analyse financing cohorts and portfolio and generational risk to identify deviations from target and assess their potential impact on P&L and business results

• Provide recommendations to the Business Unit on segment strategy, including whether segments should be opened, maintained or closed

2) Develop credit analyses and recommendations

• Work with CPM on default and recovery curves, risk assumptions, scores and rates, including country-specific topics and salary-linked loans.

• Analyse current production and balance-sheet risk to determine whether performance is in line with target.

• Formulate clear, data-driven recommendations based on your analyses.

3) Coordinate stakeholders and communicate insights

• Act as a bridge between CPM, Operations, Risk teams and the relevant Business Unit, explaining origination performance and risk trends.

• Contribute to the monthly risk cycle, Risk Committees, ongoing projects and the monthly risk report.

• Communicate clearly with country CEOs, local Risk teams, CPM, ERM and senior stakeholders.