Credit Analyst

Credit Analyst Junior

Join Karmen, a fast-growing FinTech company, as a Credit Analyst. In this role, you will have the opportunity to shape Karmen's credit strategy and processes, analyze transactions, assess risks, and negotiate terms with customers. You will work closely with the credit team, sales team, and tech and data departments. Karmen values radical transparency, ownership, kindness, and impactful listening. Enjoy a competitive salary, remote work options, and a supportive team environment.

As a credit analyst at Karmen, you will have the opportunity to grow the Karmen portfolio with your own opinion on each deal. Your role will be key in the development of Karmen’s credit strategy and processes. We are focused on working capital deals that help entrepreneurs focus on their operations. Directly in front of Karmen’s founders during the credit committee, you will have the unique opportunity to explain and debate your decision. To do so, you will be directly in contact with the customer (CFOs, CEO, advisors) to collect information needed for the analysis. In addition, as you are working in FinTech, you will be involved in the improvement of Karmen’s risk evaluation model, customer journey, and product. Meaning that you will frequently work with the tech, product, and data departments.

Main missions

• Day-to-day at Karmen:
• Receiving deals from Karmen’s sales team
• Analyzing the transactions and finding the best financing solution for the company
• Discussing with the management to understand the business model
• Assessing risks and writing full credit reports for the credit committee
• Fulfill credit committee expectations and customer interests
• Negotiating terms with the customer
• Improving Karmen’s products and risk evaluation
• Improving the overall credit process, working with the tech, data, and product team

Your Manager

You will work daily with Antoine, Credit Chief Officer.

Your team & Contacts

You will work with the whole credit team to challenge your decision and how to improve Karmen. You will also work with the Sales team, Data and Tech team, and have contact with prospects and clients.