Who are we?

At Alma, we are convinced that trade must be well balanced to be sustainable. Because finance has a key role in business, our mission is to put it back in its rightful place : at the service of merchants and consumers!

That’s why we create financial products that empower merchants to sell more, and help consumers purchase better products while never encouraging them to get over-indebted.

Our tech solutions are accessible to all, easy to implement, and that eliminate purchase friction.

For merchants, our instalment and deferred payment solutions are excellent ways of increasing customers' loyalty and satisfaction, as well as generating up to 20% extra sales revenues without any risk.

For consumers, the purchase experience is enhanced (4.8/5 on Trustpilot) and Alma helps them handle their budget easily. They pay later, Alma pays the merchants right away.

We are the leader in France, on track to win the European market on the (very) powerful Buy Now Pay Later (BNPL) industry, as we’re now processing payments in 10 European countries. Over the past 5 years, more than 16,000 active merchants have chosen Alma to be their innovative BNPL solution, and we have served over 5 million consumers.

The team has grown from 2 to 300+ people, we raised a €115M series C early 2022 to help us accelerate further and Alma is already part of the French Tech 120 ranking of the most promising French technology companies. And that's only the beginning.

What are we looking for ?

Collective intelligence is the driving force behind Alma: we are looking for open-minded, curious, and ambitious people who want to actively participate in this exponential growth.

To keep delivering an optimal purchasing experience and absolute ease of use, all teams at Alma (Tech, Product, Sales, Operations, Data, Risk, Finance, Compliance, Legal, Marketing, and People) will strengthen their staff to maintain the highest standards of quality and trust while pushing these innovations at Alma’s pace.

Good to know

In addition to Alma’s values (see “Our values” tab), resulting from a collective exercise of introspection, there are other great reasons to join them:

• Their offices are located in the 10th arrondissement of Paris and at EuraTechnologie in Lille, in bright new premises.
• Themed lunches are organized every month with guest speakers such as CEOs, athletes, artists, and public figures.
• Alma finances 100% of the health insurance (Kenko contract) for you and your family and provides you with meal vouchers (Swile).
• Alma offers a "Sustainable Mobility Package" (Forfait Mobilité Durable). You will benefit from a budget of €518,40 per calendar year for your home-to-work transportation.
• Upon your arrival, you can choose which laptop you will work with (Mac or Windows).
• Fresh fruits are available every Monday and Wednesday.
• And once a month, it’s team drinks!

🎯 About the position

The position is based in Lille. Our working policy allow 2 days in remote work by week. You might be required to work on weekend if needed (twice a quarter).

Since we started our growth has been exponential: every month, hundreds of new merchants install our solution and thousands of new customers use Alma for the first time.

The Operations team is responsible for setting up and managing the processes to provide merchants and customers with the best buy now pay later experience.

Practically, this means :

• Supporting customers and merchants: we are there to accompany them when they are using Alma, and their feedbacks allow us to improve the product;
• Managing debt collection actions from start to finish: our role is to reduce the late and default rates to guarantee the company's margin;
• Looking after new merchants during the on-boarding process and ensuring that they are able to install the Alma solution as quickly and as easily as possible;
• Continuously improving customer scoring (both automated and manual scoring), to allow a maximum of users to pay without friction whilst minimising fraud and losses from bad debt;
• Thwarting fraud attempts from both merchants and customers on a daily basis.
• Investigate in line with procedures impacted by legal and regulatory LCB-FT regulations.

In this high-growth environment, monitoring the activity and behaviour of the merchants we work with is a key issue in helping to reduce our financial and reputational risk. You will have the following responsibilities:

• Analyse merchant accounts to ensure that they comply with Alma's general terms and conditions of use;
• Manage unusual behaviour alerts, risk of default, or changes in a merchants situation;
• Conduct in-depth research into merchants when there is a suspicion of fraud ;
• Monitor the activity of all merchants by analysing sales volumes, default rates and other indicators relevant to detecting fraud attempts;
• Establish reports in order to identify fraud patterns and continuously improve our control processes;
• Communicate with our merchants on issues related to risk management;
• Be the point of contact for our other internal teams (Customer Operations, Merchant Operations, Customer Success Managers & Sales) on merchant risk issues.

🤝 About you

Alma is the right fit for you if :

• You are rigorous and can show good investigation skills when analysing files;
• You have an interest in the following areas (with or without work experience): e-commerce, fintech, tech, the fight against fraud.
• You always follow things through to the end : no detail escapes your attention and no subject or issue is left aside;
• You have an analytical approach, but you also know how to be autonomous and are capable of taking decisions without always having all the relevant information to hand;
• You’re confortable with uncertainty and able to find the right way to work in a changing environnement;
• You have good writing skills and the ability to communicate with clients in French and English;
• You have good IT skills, SQL skills would be an asset;

If you wish to join a company and have a very strong impact, then Alma is the right place for you !

🚀 About the recruitment process

Raise your confidence about the interview :

• Alma - Our values
• Posts - Alma

The process :

• First selection on CV
• Online test and business case
• Interview with Operations Managers, Merchant risk officer, and Global Ops, and Debrief business case
• Team Fit with different members of the operations team