Younited

We provide instant, simple, and transparent credit services for the e-economy in Europe, offering solutions for home refurbishment, holidays, or smartphone purchases. Credit amounts can go up to €50,000 for up to 84 months. We integrate instant credit into the customer journey, whether shopping or banking, online or in-store.

We operate in 5 European countries, generating over 2 billion euros in yearly GMV, with nearly 50% of our business outside France. We also offer personalized budget coaching and aim to promote transparency and inclusiveness through our credit strategy. We’ve started the process to become a certified B-Corp.

We’ve been fully EU-authorized as a Credit Institution and Investment Services Provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and the Autorité des Marchés Financiers (AMF) since September 23, 2011, under Authorization number 16488. Our services include peer-to-peer lending, consumer credit, and B2B solutions like Credit as a Service and Credit as a Payment.

We were founded in 2009 by Charles Egly (formerly of BNP Paribas) and Geoffroy Guigou (formerly of McKinsey).

Our mission is to redefine credit and payment experiences for Europeans with transparent, innovative solutions. We aim to provide a credit strategy that serves everyone, promoting transparency and inclusiveness. We foster a forward-thinking, inclusive culture driven by innovation.

Our core values include quality, customer satisfaction, continuous learning, work-life balance, and career development.

Our team numbers between 501 and 1000 individuals. We foster a dynamic fintech environment, offering opportunities for international exposure and growth. Our culture is forward-thinking, inclusive, diverse, and entrepreneurial, with a commitment to continuous learning.

Employees receive strong managerial support and individualized HR guidance. We emphasize collaboration across teams—including Data Science, Risk, Product, Commercial, and Analytics Engineers—to deliver scalable solutions and innovative marketing strategies. We focus on work-life balance, continuous learning, and career development within a fast-paced setting.

We maintain a hybrid remote work policy, allowing 2-3 days of remote work per week and offering a full remote option twice a year. Our main office is in Paris, with opportunities for international assignments in cities like Barcelona, Lisbon, and Rome.

We offer a range of employee benefits, including:

• Our offices are located in Paris (9th arrondissement).
• An international work environment with opportunities for assignments in cities like Barcelona, Lisbon, and Rome.
• Individualized managerial and HR support during onboarding and throughout employment.
• A continuous learning program, including external and internal training, an e-learning platform, and Friday workshops for the Tech team.
• Emphasis on work-life balance, supported by a parental charter and key family measures.
• Exceptional leave days, often exceeding statutory requirements.
• A hybrid remote work policy allowing 2 to 3 days per week of remote work, with an option for full remote work twice a year.
• 33 days of paid leave (8 more than the legal minimum).
• A Wellpass (formerly Gymlib) subscription at a preferential rate for sports and wellness.
• Restaurant tickets, with 60% of the cost covered.
• Local and international team-building events.
• As an Equal Opportunity Employer, we encourage diversity.

Please note that some benefits vary by international office location. These can include: flexible remote working policies, dedicated family policies, an extra day of leave for birthdays, access to Fluentify for language skills improvement, competitive salaries and welfare provisions, free beer on Fridays, complimentary coffee and snacks, a comfortable kitchen for lunch breaks, foosball and PlayStation, and the latest generation hardware equipment.