Credit Analyst - Alternance 1 an

As an Investment Analyst at Karmen, you will play a key role in expanding our portfolio by bringing 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 unique opportunity to present and debate 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 player in a fast-growing FinTech, you will collaborate closely with our Tech department to refine our risk assessment models, enhance the customer journey, and evolve our product.

• 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/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.

You will work daily with Antoine, Head of Credit as your manager.

You will work with the whole Credit team.

You will also work with the Sales and Tech team!

You will have contact with our clients (CEO and CFO).

• 1 or 2-year alternance, starting in July - September 2026
• Bac +4/5 with a specialty in Corporate Finance
• At least one internship in Corporate Finance, M&A, VCs, Credit, FinTech (corporate credit specialization), or advisory.
• French (written & spoken) + English (written) mandatory
• Pack Office (VBA or Python would be a plus)
• Strong financial analysis mindset:
• Balance sheet, P&L, and Cash-Flow Statements analysis
• Good understanding of accounting

At Karmen, we are looking for people who want to live a human experience above all. That’s why we’re looking for people who are aligned with the same values we hold dear every day:

We believe that transparency is crucial to promote a culture based on honesty, and communication and especially to unblock complex situations by letting the team express themselves in a transparent way.

It is important that team members know that they are an integral part of the foundation and success of Karmen. Moving toward a common goal is a team motto.

Without kindness, it’s hard to build trust, without trust, it’s hard to get performance, without performance, there is no impact, and without impact, you stagnate.

If you join Karmen, here are the company’s benefits

Up to 2 days of remote per week on days chosen by the employee ;

A gratification between 1100€ to 1400€ per month ;

➕ A mutual insurance with Alan, meal vouchers with Swile ;

A personalized onboarding for each employee (with 1 week dedicated to the discovery of Karmen and our ecosystem, then 2 to 3 weeks dedicated to the specific job) ;

❣️ A close-knit team that will do everything to make you feel good at Karmen.

Welcome lunch, afterworks (every two weeks), regular teambondings & offsite, the maitre mot: “Work hard while having fun!”