🇫🇷 Credit Manager France

About LIZY

LIZY is revolutionizing the €70 billion European car leasing industry, one of the last giants yet to be disrupted. Traditional leasing is slow, complex, and overpriced. We're changing that.

Founded in 2019, LIZY makes car leasing as seamless as buying a toaster on Amazon, with the premium touch of a Four Seasons experience. Our ambition? To become the #1 digital car leasing platform in Europe .

Headquartered in Brussels , LIZY operates in Belgium (Brussels), France (Paris), and the Netherlands (Amsterdam), serving SMEs and self-employed professionals with transparent, sustainable, and affordable leasing solutions.

Backed by €75M+ in funding and recognized as EY Scale-up of the Year 2025 , we're scaling fast with a top-tier team from Google, McKinsey, Bain, Deloitte, Cowboy, Teamleader, and more, building the future of smarter and more sustainable mobility .

LIZY values

Fun (Have it): Enjoy the ride - life is short.

Feedback (Give it): Feedback is the breakfast of champions. Always assume positive intent.

Personal Growth (Master it): Never stop learning and improving.

Wow (Deliver it): Actually make our customers say "WOW".

️‍♂️ Drive (Show it): Show commitment and bring everything you have. Do what you say and say what you do.

The Position

As Credit Manager France at LIZY, you own the full credit lifecycle for our French portfolio. You are the person who makes sure we say yes to the right clients, at the right terms, and that we recover effectively when things go wrong.

You will inherit a lean team and a solid foundation, but the road ahead is largely unpaved. The French market has its own dynamics, a mix of SMEs and freelancers with specific financial profiles, data sources, and regulatory context. Your job is to deeply understand that market and build a credit process that is both rigorous and fast enough to deliver the LIZY customer experience.

You will work closely with the Finance Manager, the commercial team in France, and your counterparts in Belgium and the Netherlands. You will also own the selection and management of external partners and software providers that make your processes sharper and more scalable.

What you'll be doing

• Own the end-to-end credit decisioning process for France: scoring models, decision rules, credit limits, and continuous calibration based on portfolio performance

• Analyze default patterns and portfolio performance to identify weaknesses in the current process and implement targeted improvements

• Build and refine a credit assessment approach tailored to the specificities of French SMEs and freelancers, including self-employed professionals (micro-entrepreneurs, TNS, liberal professions)

• Lead the selection and integration of data providers, scoring tools, and credit software to improve decision quality and reduce manual workload

• Design and optimize the collections process for non-paying clients, from early warning signals through to legal recovery, including partner selection where relevant

• Manage and grow the credit analyst team in France, with clear ownership, priorities, and high execution standards

• Produce regular portfolio reporting: default rates, loss metrics, vintage analysis, and actionable insights for leadership

• Collaborate with commercial and operations teams to balance credit discipline with growth objectives

‍‍♂️ About you

A good candidate is:

• Energized by a scale-up environment where priorities move fast and impact is visible

• Rigorous by nature but pragmatic, you understand that a perfect decision made too slowly is a bad decision

• Comfortable working with incomplete information and building things that do not yet exist

Your profile:

• Around 5 years of experience in credit risk, with direct exposure to SME and/or freelancer lending or leasing in the French market

• Hands-on experience with credit scoring methodologies, portfolio monitoring, and collections processes

• Familiarity with French-specific data sources and credit assessment tools (e.g. Banque de France scoring, KBIS analysis, liasse fiscale interpretation)

• Strong analytical skills, you are comfortable in Excel or similar tools and can turn portfolio data into clear recommendations

• Entrepreneurial mindset, you spot problems before they become crises and you propose solutions, not just observations

• Excellent communicator in both French and English, written and spoken

Perks and Benefits

At LIZY, your success is our success . We make sure every team member feels supported, empowered, and inspired every single day.

Here's what you can expect when you join us:

Competitive package & bonuses: Fixed salary and stock options, when LIZY wins, so do you .

Great offices in the heart of Paris: A vibrant atmosphere, awesome colleagues, and a culture that takes the work seriously without taking itself too seriously.

Tools: We equip you with the best, a high-end laptop, external monitor, iPhone, and anything else you need to do your best work.

Fun and collaborative culture: Team-building events, monthly All-Hands, and above all, a positive and transparent atmosphere.

Development and impact: Work on strategic projects from day one, propose your ideas, learn continuously, and help shape the future of smarter and sustainable mobility.

Ready to join the ride?