The role 🫵🏻

We are looking for a strategic leader to structure and drive the Risk function within our fast-growing B2B Fintech. Specializing in receivables finance and factoring, our challenge is twofold:

1. Secure our portfolio (Credit, Fraud, Operational).
2. Build a robust, scalable, and compliant risk framework adapted to a regulated environment.

Key Responsibilities 🧭

1. Credit & Portfolio Risk

• Define and evolve our credit policy (eligibility, limits, concentration).
• Analyze complex structured deals (geographies, debt types, debtors, maturity).
• Hold a decisive vote in Credit Committees.
• Monitor portfolio performance (Default rate, Dilution, DSO, Concentration).
• Implement Early Warning Signals (EWS) and define a clear Risk Appetite Framework.

2. Credit Insurance Management

• Lead the operational relationship with our credit insurers.
• Ensure alignment between granted limits and real exposure.
• Guarantee strict compliance with policy obligations (declarations, deadlines, procedures).
• Manage claims and follow up on indemnifications.
• Anticipate business impacts of limit reductions or suspensions.

3. Operational Risk & Internal Control

• Map operational risks (Processes, IT, Payments, Partners).
• Implement Level 1 and Level 2 controls.
• Structure the incident reporting and tracking system.
• Contribute to the formalization of global risk policies and lead Risk Committees.

4. Fraud Prevention

• Identify fraud scenarios (fictitious receivables, double assignment, data manipulation).
• Deploy anti-fraud controls in coordination with the Data team.
• Lead internal investigations and monitor fraud-related losses.

5. Data & Tooling

• Collaborate with the Data team to develop internal scoring models.
• Enhance risk dashboards and implement robust KPIs.
• Provide regular reporting and strategic insights to the Executive Committee (ExCo).

6. Leadership & Team Building

• Mentor and manage a Junior Risk Analyst and an intern.
• Standardize analysis methods and operational processes.
• Play a key role in the future hiring and scaling of the Risk department.

The team 👥

• 1 General Counsel
• 2 Risk analyst
• 1 Compliance Manager
• 1 KYC Analyst
• 1 Junior Legal Counsel

Profil & Qualifications 🎓

We are looking for a seasoned Risk professional with 5 to 12+ years of experience in B2B Credit Risk :

• Core Track Record: Significant experience in B2B Credit Risk, ideally within factoring, structured finance, or a high-growth Fintech environment.
• Strategic Impact: You have a proven ability to move beyond execution to structure and scale risk frameworks from the ground up (essential for the Head of Risk level).
• Stakeholder Management: You are comfortable interacting with high-level external partners, including credit insurers, investors, or regulators.
• Leadership: Proven experience in people management is required, as you will be responsible for mentoring a junior analyst and an intern from day one.

Technical Skills

• Expertise: Deep understanding of receivables finance and B2B credit culture.
• Insurance Mastery: Solid grasp of credit insurance mechanisms (delegated limits, policy compliance, claims).
• Data-Driven: Ability to leverage data and collaborate with engineering teams to build scoring models and automated dashboards.

ARIA Experience 🚀

• A fast-growing company: Join a team that is scaling rapidly.
• High-impact projects: Work on ambitious goals within a massive, high-potential market.
• Expert leadership: Collaborate with a team of seasoned industry specialists.
• True flexibility: Enjoy a work-life balance that fits your needs, including remote work options.
• Prime location: Stunning offices located in the heart of Le Marais (4th Arrondissement, Paris).

Our Perks 🎁

• Swile Meal Vouchers: €11,10 per day for your lunch breaks.
• Green Commuting: Full coverage of your bike subscription (and public transport, of course), plus access to a private parking lot.
• Culture Pass: A €200 annual credit to fuel your creativity.
• Fitness Pass: A €400 annual allowance to keep you active.
• Fresh Snacks: Weekly deliveries of seasonal, local, and fresh fruit to the office.

Recruitment Process 🤝

• An initial call/interview with our HR Manager / Recruiter (30’)
• A deep interview with our General Counsel (60’)
• An interview with our Founder (30’)
• A coffee fit in our offices to meet the team (60')