International Credit Risk Analyst

At Alma, we're reinventing finance to serve those who matter most: merchants and consumers. Our instalment and deferred payment solutions help merchants boost sales by up to 20%, increase customer loyalty, and deliver a seamless shopping experience — all without encouraging debt. As the BNPL leader in France and active in 10 European countries, we've empowered over 21,000 merchants and 8 million consumers. With a team of 340+ and a €115M Series C funding round, Alma is rapidly scaling across Europe — and this is just the beginning...

Corporate Credit Risk team's mission: Support Alma's sustainable growth across Europe by proactively identifying and mitigating merchant risks.

Why join us now: We're building a specialized team focused on new market risk as Alma expands internationally. You'll join this dynamic team, reporting to the International Credit Risk Manager.

Your impact: As International Credit Risk Analyst, you'll ensure safe European expansion by :

• Partnering with international sales teams to assess lead risk levels
• Developing risk assessment processes tailored for new markets

Ready to shape Alma's European future?

Join us in building international risk management for a scaling fintech.

Reporting to the Corporate Credit Risk Manager, you will be in charge of:

• Performing financial analysis and risk assessment by evaluating merchant financial stability and performing a due diligence on its activity while ensuring compliance with local regulatory requirements
• Handling complex escalation cases as directed by your manager, investigating potential fraud or financial distress signals and formulating actionable recommendations
• Executing day-to-day risk monitoring activities for international merchant portfolios, tracking key performance indicators and identifying suspicious activities promptly
• Supporting the development of tools and processes specifically designed for international risk monitoring, helping adapt French risk frameworks to local market specificities and regulatory requirements
• Creating and maintaining comprehensive documentation for local operations teams
• Contributing to cross-functional projects aimed at improving operational efficiency and implementing scalable solutions for international expansion
• Working closely with multiple internal stakeholders such as local country teams, Business Operations, Partnership, Finance, and Compliance teams
• Facilitating knowledge transfer and best practice sharing across different markets while maintaining relationships with internal stakeholders

Being a International Credit Risk Analyst requires a wide skillset:

• Problem solver: you take responsibility for your assigned tasks and actions, making informed decisions within your scope while proactively identifying issues and proposing solutions
• Impact-oriented: you think creatively to support business growth without endangering the company
• Learning agility: you quickly understand new markets, regulations, adapting effectively to different business contexts
• Financial analysis basics: you have a financial foundational knowledge with a strong willingness to develop these skills further
• Communication: you collaborate effectively across teams and cultures, presenting complex information clearly to various stakeholders

Your experience:

• You have at least 1-2 years of experience with a proven track record in a Fintech, Payment Provider, Bank, Consulting firm, or another fast-paced work environment
• You are a French speaker and fluent in English (mandatory for daily international stakeholder interactions)
• You are comfortable with data analysis, Excel or SQL expertise is a plus
• Previous experience in an international and multicultural context is preferred but not mandatory

You're not sure if you meet 100% of the criteria and that's making you hesitate to apply?

At Alma, we believe that diversity drives innovation and strengthens our community and are committed to creating a workplace where everyone feels respected, valued, and empowered to contribute. We are proud to be an equal opportunity employer and welcome applicants from all backgrounds and experiences. All employment decisions are made based on qualifications, experiences, merit, and business needs without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other legally protected characteristic. 

So please take your chance, apply anyway  

• Visio call with a member of our Talent Acquisition team (30min)
• Visio call with the Corporate Credit Risk Manager (45min)
• Written case study
• Case study debrief with members of the Credit risk team

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