Younited
Product Manager Fraud & Compliance (F/H)
The Role
At Younited, we believe money allows people to purchase goods & services and realize their dreams, but today’s banking products are opaque & overly complex.
Here, we leverage innovation & cutting-edge technology to redefine lending and payment practices, to provide exceptional user experience
More than a million customers already had access to our instant, simple & transparent credit, and we are just getting started.
We both provide credit & payment solutions directly to consumers (Younited Credit / Younited Pay) & via partners (banks, fintech & insurers who wish to develop consumer loan activities and retailers, telcos, e-merchants who wish to offer their customers the simplest method to pay in several times). We also provide budget optimization solutions through “Younited Coach” to all consumers willing to receive personalized recommendations.
Our mission is to become your trusted financial partner. In this respect, our strategy aims at promoting more transparency and more inclusiveness to help you achieve financial wellbeing.
We are B Corp certified, our social and environmental impact being at the heart of our strategic concerns.
So join Younited, the leading instant credit provider for the e‐economy in Europe! Be part of an amazing adventure that is only at its beginning…
Some key figures about Younited group:
· Younited operates in 4 European countries and generates nearly 50% of its business outside France.
· Younited employs about 500 Younies in Paris, Rome, Barcelona and Lisbon.
Younited is already trusted by prestigious E-merchant and Digital Bank partners among which Iliad, Bouygues Telecom, Microsoft, Bpifrance, Apple, N26, Fortuneo, Smeg and Thermomix.
Our 5 corporate values drive our daily job:
· Make it simple: At every level of the customer experience, the organization. Be transparent.
· Act as an entrepreneur: Take ownership, work in teams. Dare to try, accept to fail.
· Innovate or die: Challenge the status quo, no matter how impossible it seems.
· Faster is better: Value speed over perfection. Be aligned on priorities.
· No limit: Shot for the moon, stay humble.
We empower passionate problem-solvers to collaborate, innovate and do their best work.
We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our customers and our partners. And we need your help. So, join us to build tomorrow, today.
If you want to know more, click here: https://younited.com/about-us/careers/
📝 Context
As a Product Manager in for the Fraud & Compliance context, reporting to the Head of Product – Risk & Data, you will drive the design and delivery of risk and compliance solutions across Younited’s platforms. As part of various projects of Younited, our compliance and fraud challenges are expanding — and you’ll be in a key position to shape how we scale and strengthen our defenses across four countries.
🖊️ Your responsibilities
To achieve this, you’ll have to:
- Drive the roadmap for compliance and fraud-related features: from screening and alerting to provider integration and workflow automation.
- Structure and lead initiatives such as the integration of new AML providers or the redesign of fraud detection systems.
- Work closely with tech teams to scope, deliver, and monitor features, ensuring scalability and security.
- Collaborate with compliance and risk teams to translate regulatory requirements into product specifications.
- Monitor and improve performance through KPIs: false positive rate, alert handling time, fraud detection accuracy, etc.
- Align stakeholders across 4 countries to ensure consistency and local adaptation of risk and compliance processes.
At Younited, Product Managers are owners of their scope. You will therefore:
- Collaborate with developers, data analysts, and data scientists to deliver robust and scalable solutions.
- Be a key partner to operational teams (fraud, compliance, credit operations) to ensure adoption and impact.
- Contribute to building a strong product culture within the Risk & Data domain, reporting directly to the Head of Product – Risk & Data.
- Liaise with operational teams to operationalise developments while taking into account their operational constraints.
As PM for Fraud & Compliance, you’ll be in a key position to define how we scale our risk and compliance capabilities in a fast-evolving regulatory landscape and challenging business projects.
🫵 About your profile
We’re looking for an experienced and impact-driven Product Manager with strong ownership and a solid understanding of regulatory and fraud prevention topics.
You have:
- 3+ years of experience as a Product Manager or Project Manager in a fintech, regulated environment, or risk/compliance-related domain.
- Strong exposure to AML, KYC, or fraud topics: either through prior implementation of screening tools, alerting systems, or cross-functional compliance projects.
- Experience working with tech teams and stakeholders across business and regulatory functions.
- Full working proficiency in both French and English.
🛠 Your skills
- Product Management: You master the product lifecycle, from discovery to delivery and post-release optimization.
Regulatory Understanding: You are familiar with compliance challenges in a bank environment and fraud risk management.
- Analytical & KPI-Driven: You use data to prioritize, evaluate, and improve product performance.
- Communication: You know how to align stakeholders, simplify complex topics, and structure decision-making.
- Collaboration: You thrive in cross-functional environments with engineers, data teams, and business owners.
- Act as an entrepreneur: You’re pragmatic, curious, autonomous and ready to take on challenges !
- Culture Fit: You embody Younited’s values: Act as an entrepreneur, No limit, Faster is better, Make it simple.
🔎 Recruitment process
- A first video chat with our Talent Acquisition Manager, to get to know each other and tell you more about Younited, our corporate culture & values (30’)
- An Interview with Coralie (Head of risk and Data) your future manager to discuss about the role and expectations (60’)
- Business case (30’)
- Interview with a compliance officer and a tech team member to assess mutual fit and better understand key stakeholder expectations (60’)
- Interview with our CPO (30’)
🎁 Other benefits from joining Younited ?
-Offices located in the heart of Paris (9th arrondissement)
-An international work environment and the opportunity to go on assignments in our offices abroad (Barcelona, Lisbon, Rome)
-An entrepreneurial mindset and strong team spirit
-Personalized managerial and HR support during onboarding and throughout your Younited journey
-A continuous learning environment with access to internal and external training, an e-learning platform, and “Friday workshops” within the Tech team to support everyone’s development
-A strong focus on work-life balance
-A parenthood charter to support all family-related projects, with key measures
-Special leave for major life events, often more generous than legal requirements
-A hybrid remote work policy: 2 to 3 days of remote work per week depending on the team, and the option to work fully remotely for one week twice a year
- 33 days paid holiday, i.e. 8 more than the statutory 25 days (instead of the traditional RTT)
-Access to the Wellpass platform (formerly Gymlib) with over 4,000 fitness and wellness activities across France at a discounted rate
-Meal vouchers (€10 per day, 60% covered by the company)
-Team buildings in France (Summer Party & Winter Party), abroad, and within your team
Younited is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.
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The Company
What We Do
We’re hiring ! Find all our job positions here : https://bit.ly/join-us-at-younited 🚀 -- About Younited: Younited is the leading instant credit provider for the e-economy in Europe. Constant innovation, cutting-edge technology and exceptional user experience have allowed nearly a million customers to have access to instant, simple and transparent credit to refurbish their home, go on holiday, or buy a new smartphone. Younited provides instant credit throughout the customer journey, shopping or banking, online or in store, with a single Younited customer experience. Up to €50,000. Up to 84 months. Instantly. Younited is the leader in 5 European countries and generates more than 2 billion euros in yearly GMV, with nearly 50% of its business outside France. As the pioneer in personalized budget coaching, Younited deploys a credit strategy at the service of all to promote more transparency and more inclusiveness. Younited has launched the process to become a certified B-Corp. -- Younited is fully EU-authorized as a Credit Institution - Investment services provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) since the 23/09/2011 (Authorization number : 16488). Younited was founded by Charles Egly (ex-BNP Paribas, Group CEO) and Geoffroy Guigou (ex-McKinsey, COO). To read our charter regarding the protection of your personal data, please visit : https://bit.ly/younited-legal-careers
