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Credit Manager



Accounting & Finance
Paris, France
Posted on Saturday, September 9, 2023
Operations · Paris · Hybrid Remote

Make business financing more accessible.
Our vision is to empower business owners - the builders of tomorrow. And we do that by making business funding more accessible with the help of our data-based scoring technology.
Securing capital has never been so fast and easy for the hundreds of companies we financed. With over €330M raised in equity and debt from 2020, we aim to empower many more European business owners by creating the funding experience they deserve.
Read more about us here.

As Credit Manager, your main responsibilities are improving our automated credit decision tool by developing relevant aspects of the lending strategy (i.e., scorecards, use of data, etc.); and helping our credit analysts improve our underwriting methodologies by expanding the data we incorporate in our decisions and/or optimizing how we use and process this data.

You report to Sebastien, Head of Operations, and collaborate with Dani, Risk Operations Manager, and Alexandre, Model Risk Manager.


1. Develop our automated credit decision tool and strategy:

  • Improve our AHT (average handling time) per deal submitted for loan approval,
  • Increase the volume of transactions categorized per deal,
  • Optimize the lead time of pending assignations,
  • Improve the lending scorecard,
  • Ensure Silvr has robust controls in place to proactively manage defaults and arrears, identifying risks and patterns early, and devising corrective measures where required to answer our debt investor rules,
  • Implement the policy and governance frameworks for risks and maximum returns to reach the IRR target.

2. Team Management:

  • Increase the volume of deals that can be analyzed by the automated decision tool,
  • Hire and train new team members and develop their skills until they obtain delegation authority and are autonomous,
  • Validate biggest fundings amount submitted by the credit analyst to keep the production flow running


  • Remote policy: up to 3 days remote per week and a budget for remote equipment (€200),
  • WeWork Offices in Paris 9e (dog friendly),
  • Books and training: unlimited budget to order books for learning continuously,
  • Meal ticket: 10€ per day with the Swile Card,
  • Health Care Insurance: 100% covered for you and your children,
  • BSPCE,
  • Remuneration package: 60-70K + 10K.

What you have…

  • You need 4+ years of experience in risk analytics and lending strategy optimization in a fintech or lending company to succeed in the position,
  • Passion for problem-solving with conceptual frameworks and technical execution.
  • Ability to conduct data-driven analysis and give clear reasoning for colleagues.
  • Experience using Python, Pandas, NumPy, SciPy, R, Matlab, and/or SQL.
  • Credit risk modeling, machine learning, statistical techniques, and analysis skills.
  • Experience influencing and collaborating with expert data scientists.
  • Exceptional communication and stakeholder management skills.
  • Pragmatic and innovative when facing complex business challenges.
  • Ability to extract opportunity from ambiguity to capitalize in an evolving industry.
  • Driven, autonomous, ambitious, and results-focused.

Recruitment Process:

  1. Phone call with our Talent Acquisition Manager, 30mn
  2. Meet Sebastien, Head of Operations, your future manager, 45mn video call,
  3. Case study to complete and present to Sébastien and Arnaud, Risk Manager (1h30),
  4. Meet Jan and Dani, your future team members, and Nima, the CEO, and co-founder, in video, 1h.

Silvr is committed to fostering sustainable, equitable, and inclusive economic growth.
If you're intrigued by the job offer, we encourage you to apply without hesitation, even if you don't meet all the criteria!

Risk Analyst
Remote status
Hybrid Remote



33 Rue La Fayette

75009 Paris

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Working at Silvr

Silvr’s team shares one mission: empower business owners - the builders of tomorrow’s.

Working with this goal in mind, sharing knowledge, and learning from teammates is what defines their adventure.

Joining Silvr means working in a fast-paced international environment with people who are passionate about making access to business financing fair and easy.

With plans to scale across Europe in the coming years, Silvr offers many great challenges for anyone who enjoys being hands-on, belonging to a strong team, leaving their footprint in the early days of the company’s growth, and taking accountability.

Operations · Paris · Hybrid Remote

Credit Manager

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