Structured Finance Analyst Intern

Expected start date: September 2026 to January 2027, flexible

Duration: 6 months

🧡 About Alma

At Alma, we believe sustainable commerce depends on fair, well‑balanced trade. Because finance plays a pivotal role in business, our mission is to put it back in its rightful place - serving merchants and consumers.

Our installment and deferred payment solutions help merchants boost sales by 20% or more, increase customer loyalty, and deliver a seamless shopping experience - without encouraging bad debt.

As the buy now pay later leader in France and active in 10 European countries, we've empowered over +25,000 merchants and 10 million consumers.

With 400+ Almakers and €100M+ ARR, Alma is scaling rapidly across Europe—and we're just getting started.

Alma is the company for you if you are looking for:

Collective intelligence is the driving force behind Alma: we are looking for open-minded, curious, and ambitious people who want to actively participate in this exponential growth.

To continue to deliver an optimal purchasing experience and absolute ease of use, all teams at Alma (Tech, Product, Sales, Operations, Data, Risk, Finance, Compliance, Legal, Marketing and People) will strengthen their members to maintain the highest standards of quality and trust while pushing these innovations at Alma's pace.

💼 About the job

Alma’s Financing team plays a central role in the company’s expansion. It structures, negotiates and executes financing strategies that support Alma’s lending activity across Europe. The team manages refinancing operations, contributes to corporate financial performance and works closely with Tech, Product, Revenue and Risk.

As a Structured Finance Analyst Intern, you will support the day-to-day management of existing financing structures, help improve recurring processes and contribute to current and future financing transactions. You will report to Thibaut Mercier, Head of Financing.

You will be supported as you build context on Alma, its financing activity and the stakeholders involved. The internship is expected to start between September 2026 and January 2027, with a flexible start date.

Your responsibilities and missions:

• Keep existing financing structures running smoothly
  • Coordinate with external parties, such as the management company and depositary, to support efficient operations.
  • Work with internal teams to monitor regulatory compliance and the performance of each structure.
• Monitor cash flows and financial information
  • Manage cash flow follow-up and help ensure the accuracy of accounting and prudential reporting.
  • Review data with support from the team and flag discrepancies clearly so they can be resolved with the right stakeholders.
• Improve and automate recurring processes
  • Identify repetitive tasks and suggest practical automation opportunities, with room to test and refine solutions.
  • Design or maintain automated controls that improve data quality and reporting reliability.
• Support financing transactions and investor work
  • Contribute to data collection, financial modelling and the preparation of investor materials for existing and future transactions.
  • Work with cross-functional teams and external financial partners to assess risks, monitor credit performance and support execution as you grow in confidence.

🧩 About you

Must have:

• Currently studying finance, business, engineering or a related discipline, with a final-year or gap-year internship planned.
• Strong analytical and problem-solving skills, with care for detail and a willingness to learn from feedback.
• Comfortable using Excel to analyse data and structure clear outputs, with support available as you learn Alma’s processes.

Nice to have:

• Previous internship or academic project exposure to structured finance, securitisation or a related financial topic.
• Basic knowledge of SQL for analysis or process improvement.
• A strong interest in financial markets and financing strategies.

Mindset & ways of working:

• Proactive and curious, with the confidence to take ownership progressively and ask questions early.
• Collaborative and comfortable contributing to shared decisions with internal and external stakeholders.
• Organised and reliable, while open to feedback, mentoring and continuous learning in a changing environment.

Communication:

• Clear written and verbal communication skills, with the ability to share questions, progress and recommendations with different stakeholders.

✨ Why join

The role itself:

• Gain hands-on exposure to existing financing structures, operational controls and new financing transactions with structured onboarding.
• Develop your understanding of how financing decisions support Alma’s growth across Europe, with regular feedback as your context grows.
• Build practical skills in financial analysis, reporting, process improvement and stakeholder coordination, even if you have not worked on every topic before. This can provide a strong foundation for your career progression in Finance.

The team & culture:

• Work with a cross-functional group that connects Financing with Tech, Product, Revenue and Risk.
• Contribute to shared objectives and collective decisions with internal teams and external financial partners.
• Learn in a supportive team where questions, feedback, mentoring and knowledge-sharing are part of the day-to-day work. The team also values a sustainable work-life balance and flexible ways of working.

Benefits:

• Paid time off: interns receiving an internship stipend are eligible for 1 day off per month of internship.
• Meal vouchers
• Access to the Almacademy platform, including LinkedIn Learning and 360Learning.

🎯 Interview process

1. A 30-minute video interview with the team.
2. A 1.5 to 2-hour technical interview including a case study.

You don't tick every box? Neither did many of our best Almakers. We care about your potential, your drive and your ability to collaborate — not about a perfect checklist. If this role resonates with you, we'd love to hear from you.

🌍 Diversity & Inclusion

At Alma, we're committed to fostering an environment where diversity and inclusion are at the heart of our values. Our goal is to attract and build a diverse, equal and inclusive team, where everyone feels welcome.

As an equal opportunities employer we make sure the application process and our workplace is for everyone.

Apply now: If this opportunity interests you, submit your application and tell us what you would like to learn and contribute at Alma.