Business Analyst Risque de crédit - H/F at Tala

Paris, Île-de-France, France

Tala Logo
Not SpecifiedCompensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Finance, ConsultingIndustries

Requirements

  • Diplôme d’ingénieur avec une spécialisation en finance ou Master 2 en Finance ou en technologies de l’information
  • Cinq ans d’expérience avérée dans un rôle de Business Analyst (BA)
  • Bonnes connaissances des activités réglementaires dans le risque de crédit
  • Bonnes connaissances de la data/Big Data (Mapping et modélisation)
  • Bonne connaissance des normes réglementaires Bâloises (Bâle 2 et Bâle 3) et leurs déclinaisons opérationnelles depuis les aspects méthodologiques jusqu’à la reporting

Responsibilities

  • Réaliser des études préalables et analyses de faisabilité
  • Cadrer, rédiger les expressions de besoins, les spécifications fonctionnelles et réaliser la recette fonctionnelle
  • Aider aux choix des solutions optimales (internes ou externes)
  • Définir, créer et modifier les règles de gestion et de calcul des métriques relatives au risque de crédit
  • Effectuer le mapping de nouvelles données dans les tables existantes
  • Modéliser les données et enrichir les variables pour les usages réglementaires
  • Participer au projet de Bâle 4
  • Planifier et coordonner des projets
  • Conduire le changement et accompagner les utilisateurs
  • Intervenir sur des missions de conseil, business analysis, gestion de projet en relation avec les opérationnels des marchés financiers
  • Modéliser et mapper les données relatives au risque de crédit

Skills

Business Analysis
Credit Risk
Financial Risk Management
Information Systems
Regulatory Compliance
Software Packages
Business Processes
IT Development
MOA
Front-to-Back

Tala

Digital wallet and lending platform for underserved

About Tala

Tala operates as a digital wallet and lending platform that focuses on providing financial services to individuals who are often overlooked by traditional banks. The platform uses artificial intelligence and machine learning to create a personalized financial experience for its users. Customers can access instant credit, transfer money easily, and pay bills all through a single app. Tala's unique data tools allow it to serve a diverse range of customers, including those without access to conventional banking. The company generates revenue through interest and fees on the credit it offers, as well as transaction fees for money transfers and bill payments. Operating in multiple countries across three continents, Tala adapts its services to different markets while aiming to enhance the financial well-being of its users by providing tailored credit lines and financial advice.

Santa Monica, CaliforniaHeadquarters
2011Year Founded
$341.1MTotal Funding
DEBTCompany Stage
Fintech, AI & Machine LearningIndustries
501-1,000Employees

Benefits

Remote Work Options
Flexible Work Hours
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance

Risks

Increased competition from Stripe in crypto payments could challenge Tala's market position.
Keytom's launch may attract Tala's crypto-interested customer base, reducing market share.
Apple's NFC chip decision could lead to more competition in the digital wallet space.

Differentiation

Tala uses AI to offer personalized financial experiences to underserved individuals.
The company provides instant credit and expansive bill payment options via a single app.
Tala's proprietary data tools enable services for those without traditional banking access.

Upsides

Integration of stablecoin payments could enhance Tala's transaction speed and cost-effectiveness.
Apple's NFC chip opening may allow Tala to offer more seamless payment options.
Equifax's AI advancements highlight potential for Tala to improve its credit scoring systems.

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