At Alma, the Risk team enables the company to grow fast and securely by anticipating, quantifying, and mitigating the risks that could impact our business. Our mission spans across several dimensions:
Within the Risk team, the Quant Analytics team plays a central role. We are responsible for:
Your role will be to drive the development of quantitative risk methodologies, with a strong focus on consumer credit risk, while also contributing to the assessment of merchant risk. You will:
Improve and evolve our credit risk models
Enhance our customer scoring algorithms using advanced machine learning techniques. You’ll help identify new data signals, explore model improvements, and adapt our approach to new products, customer segments, and geographies.
Design impactful credit strategies
Develop risk-based strategies to optimize margins and acceptance, identifying new levers to improve our risk-return balance.
Monitor and project credit performance
Build tools and methodologies to monitor the evolution of our credit risk metrics and explain key drivers. You will also design projection models to anticipate future P&L impacts and steer risk decisions.
Contribute to merchant risk analysis and methodology
Support the development of quantitative approaches to identify, monitor, and evaluate merchant risk, especially in relation to liquidity events and counterparty exposure.
Collaborate cross-functionally
Work with teams across Product, Data, Finance, and Operations to bring quantitative insights into decision-making and co-design robust, risk-aware solutions.
Promote a data-driven risk culture
Be a go-to expert on credit risk topics and help raise awareness of key risk-related issues across the organization.
Your skillset:
Your experience:
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 !
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 and are 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 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.
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Understand the required skills and qualifications, anticipate the questions you may be asked, and study well-prepared answers using our sample responses.
Credit Risk Analyst Q&A's