Karmen - Credit Analyst (Alternance) | Hi Interns

❓Purpose of the Job
As an Investment Analyst at Karmen, you will play a key role in expanding our portfolio by applying your own conviction to every deal. We place total autonomy and trust in our team members from day one.
You will evaluate a diverse range of opportunities—from working capital solutions to complex acquisition financing and high-balance-sheet deals. During Credit Committees, you will have the opportunity to present and defend your investment theses directly with Karmen’s founders. To build your cases, you will engage directly with key stakeholders (CEOs, CFOs, and advisors) to gather critical insights.
Furthermore, as a key participant in a fast-growing FinTech, you will collaborate closely with our Tech department to refine risk assessment models, enhance the customer journey, and evolve our product.
🎯Main missions
Day-to-day at Karmen:
- Deal Flow Management: Receive and qualify new opportunities sourced by the Sales team.
- Financial Engineering: Analyze transactions to design the most relevant solutions.
- Strategic Due Diligence: Engage directly with management teams (CEOs and CFOs) to challenge their business plans.
- Risk Assessment: Conduct analyses and draft comprehensive Investment Memorandums (IM) for the Credit Committee.
- Decision Making: Present and defend your thesis during the Credit Committee, balancing risk management with customer interests.
- Product Innovation: Collaborate on upgrading Karmen’s proprietary risk models and enhancing the overall credit process.
- Continuous Improvement: Actively contribute to the evolution of our financial products and the customer journey.
☀️ Your Manager
You will work daily with Antoine, Head of Credit, as your manager.
👋 Your Team & Contacts
You will work with the entire Credit team.
You will also collaborate with the Sales and Tech teams.
You will have contact with our clients (CEOs and CFOs).

Credit Analyst (Alternance)

Credit Analyst (Alternance)

Description du poste