The Role
As a Financial Risk Manager, you will identify and monitor structural risks, design risk policies, build and improve risk models, and contribute to regulatory exercises.
Summary Generated by Built In
Our mission and customers
Our platform simplifies banking and finance management for SMEs today, so that they can build their tomorrow. We offer a finance management platform with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 53,000+ reviews.
Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75. This level of satisfaction is far above typical traditional banking scores, often ranging from 3 to 12, sometimes even lower.
Our journey
Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000 customers across 8 European countries: France, Germany, Italy, Spain, Portugal, Austria, Belgium, and the Netherlands. We have been profitable since 2023, and we are just getting started as we want to become the indisputable European leader in SME finance management.
Our beliefs
We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity is simply part of who we are.
We've built a discrimination-free hiring process because we believe the best teams are built on merit.
AI at Qonto
We see AI as a catalyst for our success.
We always choose thinking over routine. That's why AI is already deeply embedded in how we work - not as a trend, but as a way to raise the bar for the entrepreneurs who count on us. That is why we grant our Qontoers unlimited access to the best AI tools on the market - Claude Code, Cursor, Copilot, Dust, and Notion AI.
We want people who experiment without waiting for permission. Who push AI beyond the obvious. Who know when to trust it and, more importantly, when to question it.
Already pushing AI limits? You'll fit right in.
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🔒 Your security matters to us
Recruitment scams are on the rise. Keep in mind, we will never work with third-party platforms or agencies that request payment from candidates.If you receive a suspicious message claiming to be from Qonto, please report it right away ([email protected])
Join us as a Financial/Structural Risk Manager to secure the financial foundations of Qonto as we transition into a regulated bank. You will tackle complex challenges related to liquidity and interest rate risks, ensuring our resilience in a shifting macroeconomic landscape. Working directly with Clément, you will shape the strategies that protect our assets and optimize our revenues, playing a key role in building a best-in-class risk management framework.
👩💻🧑💻 As a Financial Risk Manager at Qonto, you will :
• Identify, measure, and monitor structural risks (liquidity, interest rate, solvency, and FX) to ensure Qonto's financial stability.
• Design, write, and maintain the financial risk policies that define the framework for the ALM team's operations.
• Build, maintain, and improve risk models and dashboards using SQL and Python to value complex financial instruments (bonds, swaps,etc.) and track Key Risk Indicators.
• Challenge the Finance and ALM teams ensuring they align with our risk appetite and regulatory constraints.
• Contribute to major regulatory exercises and help structure the department's processes for our future status as a credit institution.
🤔 What you can expect :
• Market Context: Join us at a pivotal moment where we are structuring our banking operations with expectations of significant growth.
• Methodologies: We value a "trust but verify" approach where the Risk team sets the policies and monitors compliance, while giving autonomy to the ALM team for execution.
• Team: You will work in a pair with an experienced Financial Risk Manager, reporting directly to Clément, in an environment that encourages technical depth and ownership.
• Tools: You will use SQL and Python daily to access data and build your models.
• Impact: Your analysis will have a direct impact on the company's P&L and will guide strategic decisions.
🤝 About your future manager:
Your manager will be Clément Chaperon, who brings nearly a decade of experience in the financial sector.
Starting at Bpifrance in the dealing room, he advanced to lead the financial and country risks department before joining Qonto two and a half years ago. Clément values analytical rigor and fosters a collaborative environment where team members are encouraged to grow and innovate.
🏅 About You :
• Experience: You have at least 5 years of experience in Structural or Financial Risk Management.
• Technical Skills: You are proficient in SQL and Python (data manipulation, financial libraries) and can build models from scratch.
• Financial Knowledge: You have a deep understanding of financial instruments (bonds, interest rate swaps) and risk metrics (LCR, NSFR, VaR, sensitivities). FRM certification is a plus.
• Communication: You can explain complex financial concepts to non-experts and have the confidence to challenge stakeholders when necessary.
• Languages: You are fluent in English, French is a plus.
At Qonto we understand that true diversity isn't just about ticking boxes on a hiring checklist. Apply regardless of the boxes you tick! Who knows? You may have the missing piece of the puzzle we've been searching for all along.
Our hiring process
- Interviews with your Talent Acquisition Manager and future managers (1 hour each)
- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
On average, our process lasts 20 working days - more information here on our candidate journey.
To know how your personal data will be processed during your application process or to request its deletion, please click here.
Top Skills
Python
SQL
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The Company
What We Do
Qonto is the leading European business finance solution. It simplifies everything from everyday banking and financing, to bookkeeping and spend management. Qonto energizes SMEs and freelancers so that they can achieve more. A few figures about Qonto: - Alexandre Prot and Steve Anavi launched Qonto in July 2017 - Qonto’s international team is growing fast and we are actively hiring! - Hundreds of thousands of customers in Europe are already using Qonto - €622m raised with VCs and business angels including Valar, Alven, the European Investment Bank, Tencent, DST Global, Tiger Global, TCV, Alkeon, Eurazeo, KKR, Insight Partners, Exor Seeds and Gaingels. Legal Notice: 🇪🇺 https://legal.qonto.com/en 🇫🇷 https://legal.qonto.com/fr 🇩🇪 https://qonto.com/de/imprint 🇪🇸 https://legal.qonto.com/es 🇮🇹 https://legal.qonto.com/it
