Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75.
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. We have been profitable since 2023, and we are just getting started.
Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit.
AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.
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- Design and own Qonto's end-to-end credit risk framework, translating risk appetite into operational policies, underwriting standards, and robust governance models.
- Serve as the second line of defense by reviewing and validating complex credit decisions, and monitoring key risk indicators (cost of risk, NPL ratios, provisions) to trigger corrective actions.
- Lead portfolio monitoring and recovery, tracking concentration risks and early warning signals while building Qonto's collections strategy in line with IFRS 9 and regulatory requirements.
- Partner cross-functionally with Product, Data, and Financing teams to assess risks for new products and champion the use of AI/ML in credit risk processes (automated underwriting, real-time scoring).
- Build and lead a high-performing Credit Risk team from the ground up, fostering a risk-aware culture that maintains Qonto's speed and customer obsession across European markets.
- Market/Team Context: A high-stakes, high-impact environment where Qonto is transforming into a Credit Institution, making credit one of its core product lines.
- Methodologies: You will simultaneously manage today's credit book while building the frameworks that will support 10x growth, balancing strategic design with tactical credit decisions.
- Examples of successful projects: You will work hand-in-hand with front-office teams on day-to-day decisions and collaborate with Data Science to embed AI capabilities into our risk framework.
- Tools we use: advanced tools and databases for portfolio monitoring, financial modeling, and proprietary credit decisioning infrastructure—along with unlimited access to best-in-class AI tools.
- Experience: You have 8–12 years of experience in credit risk with a strong background in SME or corporate lending from the banking sector, and a proven ability to build frameworks from scratch in fast-moving environments.
- Technical mastery: You possess deep expertise in credit underwriting, portfolio monitoring, provisioning (IFRS 9), and recovery processes, alongside a strong command of regulatory requirements (CRR, Basel, ACPR).
- Data & AI driven: You have hands-on experience leveraging AI/ML in credit risk processes and are proficient with data tools (SQL, Python is a plus) and financial modeling.
- Leadership: You have successfully built, hired, and developed credit risk talent, acting as a mentor and structured thinker who can translate ambiguity into actionable policies.
- Languages: You are fluent in both French and English to effectively communicate across our European markets.
🔒 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])
Top Skills
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
