🎯 About the position

Risk Process team mission

Our 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;

Your mission

As a Corporate credit risk analyst, you will play a pivotal role in safeguarding the financial interests and reputation of our organisation by assessing and managing risks associated with large/enterprise merchants.

You will be responsible of:

  1. Risk Assessment: Evaluate the risk associated with each merchant owned by the enterprise sales team by analyzing various factors such as transaction volume, company financial health, industry type, geographical location, and historical behavior.
  2. Monitoring and Surveillance: Continuously monitor merchant activities and transactions
  3. Portfolio Optimization: Optimize the merchant portfolio by identifying high-risk merchants and taking appropriate actions, such as imposing transaction limits, increasing reserve funds, or terminating relationships, to minimize potential losses.
  4. Collaboration and Communication: Work closely with cross-functional teams, including sales, customer success, legal, Ops, finance and compliance departments, to share insights, address concerns, and develop effective risk management strategies.
  5. Data Analysis and Reporting: Analyze data related to merchant activities, trends, and performance metrics to generate actionable insights and reports
  6. Continuous Improvement: Stay abreast of industry trends, emerging risks, and best practices in merchant risk management to continuously enhance processes, policies, and technologies for better risk mitigation.
  7. Project Management: Implement new tools and processes to keep a high level performance on risk assessment while reducing ops cost.

Overall, your main mission is to proactively identify, assess, and mitigate risks associated with the merchant portfolio to ensure the security, integrity, and profitability of Alma.

Main interactions / stakeholders

  • Merchant Fraud team
  • Sales and account management teams
  • Operations team
  • Compliance/Legal team
  • Finance team
  • Product team
  • Risk modeling 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.
  • 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 3 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 are familiar with Enterprise financial analysis
  • You are familiar with SQL

🚀 About the recruitment process

  • Interview with a member of our Talent Acquisition team
  • Interview with the Head of Fraud, AML-CFT & Merchant Risk
  • Business Case 
  • Interview with the VP - Funding, Capital Optimization & Risk


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