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Younited

2 days ago

Fraud Manager - Data & AI (M/F)

  • Paris
  • Full Time
  • Lead
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Company information

Company
Younited
Location
Paris Germany
Posted
2 days ago
View all jobs at Younited

Job description

At Younited, we believe that credit and banking services should be as simple, fast, and transparent as everything else that is part of your digital life.

That's why we design our financial services this way. We combine technology, data, and automation to rethink how people borrow, pay, save, and manage their money.

Today, more than 1.5 million customers trust us, and nearly 500 employees contribute to our development in 4 European countries.

What we are building

    • Younited Credit: instant consumer credit, directly accessible to customers.
    • Younited Pay: buy-now-pay-later and financing solutions integrated into our partners' customer journeys.
    • Younited Cashback: cashback and personalized offers, enriched by open banking data.
    • Younited Bank: our everyday banking offering, currently available via helios by Younited and in the process of being rolled out.
Our ambition is to become a financial partner that people truly trust, combining simplicity, transparency, and responsible finance. As a B Corp certified company, we integrate social and environmental issues into how we develop our business.

The 5 values that guide us

    • Make it simple: prioritize simplicity in products, customer experience, and our organization. Be transparent.
    • Act as an entrepreneur: take responsibility, play as a team, dare to try, and accept failure.
    • Innovate or die: challenge the status quo, however impossible it may seem.
    • Faster is better: prioritize speed over perfection, and alignment over debate.
    • No limit: aim for the moon while remaining humble.
We offer passionate problem-solvers the space they need to do their best, within diverse and inclusive teams spread across Europe.

Context 📄

Within the Fraud team, you will contribute to the fight against external fraud at the Group level, present in France, Italy, Spain, Portugal, and Germany.
 
Your mission will be to innovate by using AI and data for fraud detection and prevention, to manage fraud through data, and to build fraud prevention for our new products.
 
You will work in a growing tech organization, where data and technology are at the heart of decisions, in close collaboration with Data, Tech, Product, and local anti-fraud teams.
 

Missions 🚀

1) Define and evolve the fraud detection system
    • Develop an effective anti-fraud system in collaboration with Business Units, Product, and Data teams, drawing inspiration from market best practices.
    • Design modular journeys adapted to the fraud risk level, optimizing the balance between friction and prevention.
    • Anticipate fraud risks related to the launch of new banking offers and cashback programs from their inception.

2) Innovate through artificial intelligence and technological watch
    • Monitor the evolution of fraud threats and technologies, identify the most promising solutions, and formulate recommendations.
    • Test new approaches and manage POCs (Proof of Concepts).
    • Design and deploy, with the Data, Tech, and Product teams, intelligent tools to automate detection and facilitate analysts' work.

3) Manage performance and harmonize practices across the Group
    • Build and harmonize fraud monitoring indicators, develop dashboards and reporting for management.
    • Analyze trends to anticipate risks and propose action plans.
    • Work with the anti-fraud teams in different countries to share best practices, contribute to process harmonization, and monitor European and local regulatory developments related to fraud.

About You 👇

    • You hold a Master's degree (Bac+5) (engineering school, business school, Master's in data, statistics, or risk),
    • You have 3 to 5 years of experience in fraud prevention, risk management, compliance, or data, ideally in banking, consulting firms, or fintech,
    • You are proficient in Excel and SQL, and have good experience with AI tools (machine learning, generative AI) and data visualization,
    • You are familiar with credit fraud and AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) topics; experience with banking fraud, payment fraud, or loyalty/cashback programs is a real plus,
    • You are curious, have a taste for staying updated, and demonstrate analytical rigor,
    • You are autonomous, from idea to production, and comfortable in an international and cross-functional environment,
    • You speak English fluently; another European language (Italian, Spanish, Portuguese) is an asset.

Recruitment Process 📅

    • First video call with Arthur, Talent Acquisition Manager, to get to know each other and discuss the role, your motivations, and your fit with Younited's values and culture (30 min)
    • Second video call with Baptiste, Head of Operational Risk, to review your background and discuss your vision of fraud and AI (30 min)
    • Data and fraud case study to present to Baptiste followed by a discussion with your future colleagues (90 min)
    • Final video call with Romain, Group Chief Risk & Data Officer (30 min)

🎁 Benefits of joining Younited?

  • Offices located in the heart of Paris (9th arrondissement)
  • An international work environment and the opportunity to go on assignments to our offices abroad (Barcelona, Lisbon, Rome)
  • An entrepreneurial spirit and a strong team spirit
  • Individualized managerial and HR support during onboarding and throughout your Younited journey
  • A continuous learning environment with the possibility of benefiting from external and internal training, an e-learning platform, and "Friday workshops" within the Tech team to support everyone's development
  • Particular attention to work-life balance
  • A parenthood charter to support all family projects through key measures
  • To support you through the key moments of your personal life, exceptional leave often much more favorable than legal provisions
  • A hybrid remote work policy: 2 to 3 days of remote work per week depending on the teams, and the possibility of one week of full remote twice a year
  • 33 days of paid leave, which is 8 more than the legal 25 days (instead of the traditional RTT days)
  • A subscription to the Wellpass platform, formerly Gymlib (+4000 sports and well-being activities across France) at a preferential rate
  • Meal voucher card with a €10 value, with 60% covered by the employer
  • Team building events in France (Summer Party and Winter Party), internationally, and within teams
 
Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.

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