About our company 

At Alma, we’re reinventing finance to serve those who matter most: merchants and consumers. Our instalment and deferred payment solutions help merchants boost sales by up to 20%, increase customer loyalty, and deliver a seamless shopping experience — all without encouraging debt. As the BNPL leader in France and active in 10 European countries, we’ve empowered over 21,000 merchants and 8 million consumers. With a team of 340+ and a €115M Series C funding round, Alma is rapidly scaling across Europe — and this is just the beginning...

About the job

The Risk team mission is to allow Alma to grow quickly and securely, by anticipating and preventing any risk 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 and throughout the entire relationship ;
• Continuously improve our client scoring model with the objective to offer a frictionless payment experience, minimizing default but maximizing client acceptance ;
• Prevent and foil any fraud attempt from our clients or our merchants.

Risk Projects team’s missions:

• Manage projects related to PSP (Payment Service Provider) partnerships: we strive to collaborate with the most proficient partners, which is why we meticulously evaluate potential partnerships. You will be required to work in close collaboration with various teams, both internal and external to the company. This includes liaising with our internal teams to identify potential benefits and challenges that may arise from these partnerships, as well as coordinating with external teams to ensure seamless integration and effective communication. Your role will be pivotal in fostering strong and productive relationships with our partners, ultimately contributing to the growth and success of our company.
• Analyse the risks when launching a new product: Launching a new product is not duplicating what we are already doing. It’s being able to anticipate all the risk we may encounter in the future. As Risk project Analyst you will have to work closely with the different teams to ensure that new project can be launched safely;
• Manage projects related to the exploration of new industries and business opportunities: We are constantly seeking to expand our horizons and venture into promising new sectors. As a Risk Projects Analyst, you will be responsible for working on projects related to new industries such as travel, as well as identifying potential new business opportunities like marketplaces or affinity insurance. This will involve conducting thorough research and analysis to evaluate the potential benefits and risks associated with entering these new markets. You will also be required to work closely with various teams across the company to ensure that we are well-positioned to capitalize on these opportunities and achieve our business objectives.
• Risk Product Champion: you will be the primary risk spokesperson to the product and engineering teams. You will work closely with them to identify and mitigate potential risks associated with new products and features, ensuring that risk considerations are integrated into the product development process. Additionally, you will communicate risk-related information to relevant stakeholders to inform decision-making. Your role will be crucial in ensuring that our products are innovative, secure, and compliant with regulations.

Your mission:

As Risk Projects Analyst you will always work in project mode, most of the time involving several teams, with 2 types of missions:

• Lead transversal projects: as the company grows in size and complexity, there are more and more projects that require coordination between several teams (new tools, new processes, process improvements, etc.).
• Incubate new processes: when a new process needs to be created, we start doing the job, frame it, position it, run it, staff it and hand it over. In a word, we incubate it. Recent examples: Alma virtual card, new country launch and RFPs follow-up.

General rule of thumb: In addition to its core missions quoted above, when a new thing comes up and if everyone thinks it’s a good idea but there is no natural owner among the Risk team, Risk Projects should take the lead. Finding the best way to tackle the issue.

About you

Leading Risk projects requires a wide skillset :

• Fixer: you almost instantly identify the gaps between how things work today and how they could work better.
• 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 excel at steering initiatives from conception to completion, while keeping everyone aligned and motivated.
• Industry knowledge : you have a solid grasp of how BNPL (Buy Now Pay Later) models operate, how fintech companies structure and manage risk, and how broader financial principles apply.
• Analytical mind: you divide big problems into smaller ones in order to solve them.
• Communication: you are great at sharing your vision and orchestrating complex tasks among different teams
• Autonomous: you take responsibility for your ideas and actions and you dare to take decisions.
• Doer: leading projects does not mean telling everyone when and what to do, you do as much as you can to make concrete progress every day.
• Team player: you enjoy working with people at any level in the organization, without hierarchical authority.

Experience and qualifications:

You have at least 2-5 year of professional experience in a start-up, scale-up, consulting firm or transversal role in a medium or large organization.

You're not sure if you meet 100% of the criteria and that's making you hesitate to apply?

👉At Alma, we believe that diversity drives innovation and strengthens our community and are committed to creating a workplace where everyone feels respected, valued, and empowered to contribute. We are proud to be an equal opportunity employer and welcome applicants from all backgrounds and experiences. All employment decisions are made based on qualifications, experiences, merit, and business needs without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other legally protected characteristic. 

So please take your chance, apply anyway ! 

About the recruitment process

• Visio call with a member of our Talent Acquisition Manager
• Visio call with Arnaud, Head of Fraud, AML-CFT & Corporate Credit Risk
• Written case study
• Visio call and case debriefing with Arnaud and Neila (team member)

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