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Modified on 26/11/2025
Vous rejoindrez la division de l'Octroi de Crédit et Scores de la direction Crédit France qui a pour mission de définir et mettre en œuvre les politiques d'acceptation au regard des stratégies de développement et de risque.
Vos principales responsabilités seront de :
- Contribuer pleinement au déploiement de l’Open Banking au sein de Crédit Agricole Consumer Finance
- Développer les scores au sein des processus d’octroi de crédit, de détection de la fraude, de prévention de l’impayé et du surendettement, et du Recouvrement / Contentieux
- Prendre en charge les évolutions méthodologiques des systèmes de scoring
- Contribuer à l’optimisation de l’octroi et de la lutte contre la fraude en étant force de proposition sur l’usage de nouveaux outils / nouvelles sources de Data
- Assurer en transversalité la relation avec les entités du Groupe Crédit Agricole Consumer Finance
- Promouvoir les nouvelles technologies au sein des processus d’octroi de crédit, de détection et de traitement de la fraude
- Jouer le rôle d’expert Data au sein de la direction Octroi de Crédit et Scores (gouvernance Data, migration SAS, plateforme CEOS…)
Les principales missions sont de :
- Définir, mettre en place et faire évoluer le système d’acceptation Risque au sein des projets visant à étendre l’Open Banking au sein des parcours clients
- Développer les modèles de score ou en superviser la conception
- Prendre en charge les évolutions méthodologiques nécessaires (scoring, segmentation/classification, …).
- Assurer une veille concurrentielle et technologique des systèmes de sélection des risques, identifier les actions prioritaires à mener et contribuer à leur mise en œuvre.
- Organiser les échanges avec d'autres entités du groupe Crédit Agricole, des sociétés de conseils et des sociétés de prestations externes, dans le domaine des méthodes statistiques avancées utiles au marché du crédit à la consommation, et en assurer la diffusion.
Le scoring des dossiers à l’octroi est à un virage historique. Plutôt que de demander au client ses infos, nous allons les chercher à la source (comptes bancaires, avis d’imposition, …) et réalisons ainsi un score sur ces données afin d’octroyer un crédit instantanèment, sans avoir à vérifier l’ensemble des justificatifs (identité, adresse, revenus…).
Votre mission, si jamais vous l’acceptez, sera de contribuer pleinement à ce changement majeur pour CACF et le paysage du crédit conso.
· Déplacement : Occasionnels
· Formation / Spécialisation :
Ecole d'ingénieur, Université.
Spécialisation idéale : Statistiques appliquées, Data Science
Crédit Agricole Personal Finance & Mobility, a wholly-owned subsidiary of the Crédit Agricole Group, is a leader in personal finance and a provider of access to all mobility solutions in Europe. It distributes these solutions directly to individuals, at the point of sale or on its partners' e-commerce platforms, a wide range of financing solutions. These amortizing credit, revolving credit, leasing and credit repurchase solutions - with associated services including insurance, split payment solutions and services dedicated to mobility, aim to meet the challenges of energy transition in mobility, housing and consumption. Crédit Agricole Personal Finance & Mobility aims to be the leader in electric mobility in Europe and offers a continuum of mobility in the 22 countries where it operates (leasing, medium and short-term rental, subscription, car-sharing, installation of charging stations, etc.). Joining CA Personal Finance & Mobility at Crédit Agricole means having the opportunity to access this very wide range of professions and expertise. For the first time in France, CA Personal Finance & Mobility has been awarded the Best Work Places label and ranks among the 10 best companies with more than 2,500 employees where it is good to work. Working every day in the interest of society, our Group is committed to diversity and inclusion. To find out more on our Diversity Policy, click here: https://www.credit-agricole.com/en/pdfPreview/198689
Crédit Agricole Personal Finance & Mobility
Laure, employee at CA Personal Finance & Mobility: “CA Personal Finance & Mobility offers us daily support in maintaining a work-life balance: a concierge service for all our needs, a fitness room for our well-being, childcare solutions, moments of intellectual exchange and development with conferences, on-site artist visits, etc. CA Personal Finance & Mobility does everything it can to help us save time on our constraints: real convenience.”
Solidarity Programme for calls for proposals, donating a day to sick children, crowd-funding to support non-profits.
By providing a pleasant environment for its staff, CA Personal Finance & Mobility aims to promote a comfortable working life for everyone and emphasises the personal development of all.
Internal mobility is strongly encouraged, both for young graduates and experienced employees. You can choose to pursue your career within CA Personal Finance & Mobility and its subsidiaries, as well as within the entire Crédit Agricole Group, both in France and abroad.
Upload your CV and cover letter in .doc, .docx, .pdf, .txt, .rtf, .odt, .html or .png format, weighing less than 2mo only.
Register or log in to your Crédit Agricole Recrutement account to fill in the application form, as well as your CV and track your applications.
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This action will be irreversible. You will not be able to apply to this offer