Credit Analyst Junior

Purpose of the Job

As a credit analyst at Karmen, you will have the opportunity to grow the Karmen portfolio with your own opinion on each deal. As a credit analyst, your role will be key in the development of Karmen’s credit strategy and processes. Indeed, at Karmen, we give our 100% confidence in the person who has just joined us. 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 work with the Sales team, Data and Tech team. You will have contact with prospects and clients.