Finding the right balance between risk and performance
The Risk team combines business expertise, data, and innovation to support Younited’s responsible growth. Its mission is to make the right decisions at the right time by managing credit risk, fighting fraud, and continuously improving the efficiency of our operations.
Our team works closely with the Data, Product, Business, and Tech teams on a daily basis. Together, our experts strive to find the optimal balance between the performance of our loan portfolio, the protection of the company, and compliance with regulatory requirements.
Risk excellence driving sustainable growth
The Risk team operates across multiple stages of the value chain and is organized around three complementary areas of expertise, combining portfolio oversight, credit strategy, and enterprise-wide risk management.
The Credit Portfolio Management team monitors the performance and quality of Younited’s loan portfolios. It is involved throughout the lending lifecycle, from defining lending policies and estimating the cost of risk to structuring and selling loan portfolios.
The Credit Strategy Management team is responsible for controlling risk levels while ensuring a seamless customer experience. It designs and manages our credit decision systems with a clear objective: granting the right amount of credit to customers while keeping risk under control.
Finally, the Enterprise Risk Management team ensures that the Group’s key operational risks are identified, assessed, and monitored over time. It supports Younited teams in preventing operational risks, defining action plans, and ensuring compliance with the risk framework established by the Group’s governance and regulatory authorities.