Corporate Credit Risk Manager

🎯About the job

The Risk Process team mission is to accompany Alma on the path to sustainability while enabling business growth, by anticipating and preventing any risk associated to the merchants we work with that could endanger the company and the business.

In short, that means:

• Build tools and processes that allow us to accurately assess the risk level of our merchants, at the onboarding ;
• Continuously improve our monitoring process to ensure we can protect our company and final customers against any risk from our existing merchants;
• Prevent and foil any fraud attempt from our merchants.

Your mission

As a Corportate Credit Risk Manager, you will play a pivotal role in safeguarding the financial interests and reputation of our organisation by assessing and managing risks associated with merchant relationships in France and abroad (Italy, Belgium, Netherlands, Spain…)

Reporting to the Head of Fraud, AML-CFT and Merchant Risk, you will manage a team of four analysts to keep control on the risk associated to new and existing merchants.

You will be responsible for the following topics :

• Merchant Onboarding:

  • Continuously improve comprehensive merchant onboarding guidelines to the Ops and Sales teams and work on new tools to strengthen the efficiency of our due diligence processes (scoring merchants for example).
  • Audit the self onboarded merchants process performed by the Ops team
  • Conduct and/or oversee due diligence and risk assessments on potential new merchant evaluating financial stability, industry reputation, and potential exposure.
  • Work closely with the Sales and Finance team to review and evaluate major deals with merchants.




• Merchant monitoring:

  • To develop and continuously improve a robust system for continuous analysis and monitoring of the merchants’ portfolio.
  • Monitor merchant accounts, promptly identifying and addressing any suspicious activity.




• Merchant risk strategy

  • To develop and implement risk management policies and procedures to ensure compliance with industry regulations and internal standards.
  • Ensure in particular protection schemes (such as reserves) methodology is relevant and properly enforced
  • To build and maintain strong relationships with internal stakeholders (Ops, Sales, Customer success) to ensure alignment with business objectives while mitigating potential risks.
  • Generate regular reports on the merchant portfolio, highlighting key risk indicators and performance metrics.




• Project Management

  • To implement new tools and processes to keep a high level performance on risk assessment while reducing ops cost.

Main interactions / stakeholders

• Merchant Fraud team
• Sales and account management teams
• Operations team
• Compliance/Legal team
• Finance team
• Product team

🤓 About you

Skills & knowledge

• Business-oriented: the fact that something could work better does not always mean that it should. You focus your actions on what will have the biggest impact and are comfortable letting small fires burn.
• Financial analytical skills: You have strong capabilities in financial analysis, enabling you to assess and interpret merchant financial stability and business risks effectively.
• Team management: You have experience managing and motivating teams, ensuring productivity and alignment with company goals.
• Project management: you are a top of the league Project Manager, knowing how to frame, drive, and deliver a demanding and multiple team’s project
• Impact-driven: you know how to prioritise your tasks, define key results to achieve, and focus on what matters most
• Interpersonal skills: you know how to navigate in an organisation and federate stakeholders to move your projects forward
• Doer mindset: you are not afraid of taking responsibility and getting your hands dirty
• Problem-solving & creative: you know how to breakdown challenges into smaller issues and make your way by proactively suggesting workarounds
• Autonomous: you take responsibility for your ideas and actions, and you dare to take decisions.
• Team player: you enjoy working with people at any level in the organisation, without hierarchical authority.

Your experience

• You have at least 5 years of experience with a proven track record in a Fintech, Payment Provider, Bank, consulting firm, or another fast-paced work environment
• French speaker (native or proficiency)
• Fluent in English, is a must
• You have a strong corporates’ financials analysis background
• Good knowledge of SQL would be a plus

👥 About the recruitment process

• Interview with our Talent Acquisition Manager
• Interview with the Head of Fraud & Merchant Risk
• Business case
• Interview with the VP Risk