❓Purpose of the Job

As an Investment Analyst at Karmen, you will have the opportunity to grow the Karmen portfolio with your own opinion on each deal. As an Investment Analyst, your role will be key in the global Karmen’s strategy.

Indeed, at Karmen, we give our 100% confidence in the person who has just joined us. We are seeing every type of deal: from working capital deals to acquisition deals or high balance-sheet deals.

Directly in front of Karmen’s founders during the credit committee, you will have the unique opportunity to explain and debate your decision. To do so, you will be directly in contact with the customer (CFOs, CEO, advisors) for collecting information needed for the analysis.

As your responsibilities do not end with a decision, in any case of delinquency, you will be the first link with the borrower for negotiating and managing the collection in-late.

In addition, as you are working in FinTech, you will be involved in the improvement of Karmen’s risk evaluation model, customer journey, and product. Meaning that you will frequently work with the tech department.

🎯Main missions

• Day-to-day at Karmen:

  • Receiving deals from Karmen’s sales ;

  • Analyzing the transactions and finding the best financing solution for the company ;

  • Discussing with the management for understanding the business model and his strategy ;

  • Assessing risks and writing full IM for the credit committee ;

  • Fulfill credit committee expectations and customer interests ;

  • Negotiating terms with the customer ;

  • Presenting the offer ;

• Improving Karmen’s products and risk evaluation

• Improving credit process

☀️ Your Manager

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

👋 Your team & Contacts

You will work with Hugo, Clément and Marie, all members of the Credit team.
You will also work with the Sales and Tech team !
You will have contact with our clients (CEO and CFO).

⚡️ Profile

• 1 or 2 year alternance, starting in January - April - July - September 2025

• Bac +4/5 with a specialty in Corporate Finance

• At least one internship in M&A, VCs, Credit, FinTech (corporate credit specialization), or advisors.

• French (written & spoken) + English (written) mandatory

• Pack Office (VBA or Python would be a plus)

• Strong financials analysis mindset:

  • Balance sheet and P&L analysis

  • Reviewing bank statements thanks to our model

  • Create different scenarios based on the management business plan

  • Very good understanding of accounting

Values match

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:

Radical Transparency

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

Ownership

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.

Kindness

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.

What’s in it for me at Karmen?

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

🏢 Incubated at Platform58. Fintech and Insurtech incubator of Banque Postale; in the heart of the 9th in Paris ;

🏡 Remote friendly anywhere in France or up to 2 days of remote per week on days chosen by the employee ;

💰 A gratification between 1100€ to 1300€ 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!”

• A 45’ call with Hugo or Marie, Credit Analyst, to discuss about your motivation and Karmen ;

• A take home case study to validate your skills in Finance and Credit Analysis ;

• A 1h visio to discuss about your case study, the position and the team ;

The recruitment process will last approximately for 2 to 3 weeks.