Alexandre Dubois

Our mission? Making day-to-day banking easier for SMEs and freelancers thanks to an online business account that's combined with invoicing, bookkeeping and spend management tools. Thanks to its innovative product, highly reactive 24/7 customer support and clear pricing, Qonto has become the leader in its market. Our journey:&nbsp;Founded by <a href="https://www.linkedin.com/in/aprot/" rel="noopener noreferrer" target="_blank" style="color: inherit;">Alexandre</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/steveanavi/" rel="noopener noreferrer" target="_blank" style="color: inherit;">Steve</a> in July 2017, Qonto has rapidly gained trust, serving over 500,000 customers. We also made it to the <a href="https://www.linkedin.com/pulse/top-companies-2023-les-25-entreprises-o%C3%B9-acc%C3%A9l%C3%A9rer-1c" rel="noopener noreferrer" target="_blank" style="color: inherit;">LinkedIn Top Companies</a> French ranking! Our values:Customer focus | Prioritize customers in everything you doOwnership | Own your part, get things doneTeamwork | Make (team)work easyMastery | Continuously raise the barIntegrity | Always do what’s right, and respect people You can find out more about the&nbsp;Qonto Way&nbsp;<a href="https://medium.com/qonto-way/our-manifesto-aa81b56a94c4" rel="noopener noreferrer" target="_blank" style="color: rgb(150, 151, 153);">here</a>. Our beliefs:&nbsp;At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 50% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.<a href="https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb" rel="noopener noreferrer" target="_blank">Discover the steps we took to create a discrimination-free hiring process</a>.

Qonto

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Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance. Our journey: Founded by <a href="https://www.linkedin.com/in/aprot/" class="postings-link">Alexandre</a> and <a href="https://www.linkedin.com/in/steveanavi/" class="postings-link">Steve</a> in July 2017, Qonto has rapidly gained trust, serving over 600,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the <a href="https://www.linkedin.com/pulse/top-companies-2023-les-25-entreprises-o%C3%B9-acc%C3%A9l%C3%A9rer-1c" class="postings-link">LinkedIn Top Companies</a> French ranking! Our values:Customer focus | Prioritize customers in everything you doOwnership | Own your part, get things doneTeamwork | Make (team)work easyMastery | Continuously raise the barIntegrity | Always do what’s right, and respect people Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 55% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality. <a href="https://medium.com/qonto-way/a-recruiters-dilemma-confronting-bias-in-hiring-b78acce148eb" class="postings-link">Discover the steps we took to create a discrimination-free hiring process</a>. Join us as a Credit Fraud Analyst and become the credit fraud expert within Qonto's Fraud team. As Qonto expands its credit license and products, you will establish operational processes for detecting and preventing credit fraud, ensuring we can scale our credit offerings safely while delivering an excellent customer experience. You will work closely with Thibault, Head of Fraud, and support Qonto strategically as you establish this critical function. You will work on shaping how Qonto protects its credit products from fraud while enabling legitimate businesses to access financing seamlessly. 👩‍💻🧑‍💻 As a Credit Fraud Analyst at Qonto, you will • Build and operationalize credit fraud detection processes, establishing clear rules and guidelines for credit operations• Analyze credit applications daily to detect fraudulent documents (invoices, quotes, bank statements) and prevent financing scams and money laundering• Act as the main point of contact with our external operations partner, providing escalation support, training, and challenging their operational decisions• Collaborate with the Credit Risk team to challenge existing scoring rules and improve the balance between fraud prevention and customer experience• Handle edge cases autonomously, making quick decisions on whether to approve or reject credit applications based on fraud risk assessment• Develop documentation and processes to ensure credit fraud operations are scalable and efficient as Qonto grows 🤔 What you can expect • You will be the credit fraud expert in a team of fraud specialists across 8 markets, with full ownership of this domain• Qonto is scaling its credit products rapidly. Pay Later was the first stone of more advanced credit offerings, and will be your main focus at first• Your work will directly impact our ability to grow credit products safely while maintaining excellent customer experience• You will work in a collaborative environment with Product, Tech, and Credit Risk teams to build new capabilities as needed 🤝 About your future manager • <a href="https://www.linkedin.com/in/thibaultmosser/" class="postings-link" rel="noopener noreferrer">Thibault</a> is our Head of Fraud and has been with Qonto for over 6 years, growing from Analyst to Head. He relocated to Barcelona in 2022 to establish and scale our AML/Fraud team from scratch.• He brings a hands-on, results-oriented leadership style. He's obsessed with continuous improvement and believes in giving his team autonomy to solve problems and deliver impact. He values bottom-up prioritization, clear communication, and building a culture where everyone can grow. You'll have the space to take ownership, make decisions, and shape how fraud project management works at Qonto. 🏅 About You • Credit expertise: You have first experience in credit institutions, traditional banks, or fintechs. You understand credit products, credit risk assessment, and the specific fraud patterns that occur in lending.• Fraud detection skills: You have experience analyzing financial documents (invoices, quotes, bank statements) and can spot red flags that indicate fraud. You know how to detect false or manipulated documents and have successfully uncovered fraud cases in the past.• Autonomy and ownership: You take initiative without waiting for instructions. You have built processes, identified gaps, and implemented solutions independently in previous roles. You thrive in ambiguous environments where you need to figure things out.• Stakeholder management: You have worked with external partners or vendors and can challenge decisions constructively. You communicate clearly in French and English and can influence without direct authority.• Analytical thinking under pressure: You can make quick decisions with incomplete information, balancing fraud prevention with customer experience and business objectives. You are comfortable handling edge cases and explaining your reasoning. 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.

🎁 Perks A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed. - Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;- Competitive salary package;- Meal vouchers;- Public transportation reimbursement (part or global);- A great health insurance (depending on the country);- Employee well-being initiatives: access to <a href="https://www.moka.care/" class="postings-link">Moka Care</a> to take care of your mental health and great offers for sports and wellness activities;- A progressive disability and <a href="https://medium.com/qonto-way/work-perks-qontos-talent-philosophy-d25beb044e80">parenthood policy</a> (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners;- Monthly team events. 💬 Our hiring process: - Interviews with your Talent Acquisition Manager and future managers- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like Find more information about our interview process on our <a href="https://qonto.com/en/careers/candidate-journey" style="font-size:16px">careers website</a>.On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞 To learn more about us:<a href="https://medium.com/qonto-way" class="postings-link">Qonto's Blog</a> | <a href="https://www.lesechos.fr/finance-marches/banque-assurances/la-neobanque-qonto-prete-a-accelerer-en-france-et-a-letranger-2030323" class="postings-link">Les Échos</a> I <a href="https://www.usine-digitale.fr/article/qonto-lance-une-plateforme-de-financement-pour-les-pme.N2095666" class="postings-link">L'Usine Digitale</a> | <a href="https://courriercadres.com/inclusion-et-diversite-dans-la-tech-lexemple-de-qonto/" class="postings-link">Courrier Cadres</a> To know how your personal data will be processed during your application process or to request its deletion, please <a href="https://qonto.com/en/legal-documents/privacy-notice" class="postings-link">click here</a>.

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Join our Corporate team at Qonto, where we're dedicated to fostering the ideal conditions for our company's growth and operational excellence.

🤝 The Corporate department partners and works hand-in-hand with other teams to create the best conditions for Qonto's growth. They establish internal processes and define the way in which the company functions.

👥 In the Corporate team, you'll work with highly committed and service-oriented people who represent the core functions that drive Qonto's growth and success.

🌟 Our team of 200+ talents includes HR, Risk & Compliance, Legal, Finance, and Strategy experts.

Corporate

Join the Growth team and help us position Qonto as the top-of-mind business banking & finance platform for SMEs, startups & freelancers. Be at the forefront of moving Qonto upmarket to become a well-known, trusted product with ambitious growth targets!

🚀 The Growth team increases MRR (Monthly Recurring Revenue) through data, experimentation, and close collaboration with the Product and Tech team.

💼 In the Growth, Sales, Marketing & Communication team, you'll work with talented people who know how to boost revenue in a hyper-competitive business environment.

👩‍💼 Our team of 250+ talents includes specialists who work in harmony with both our regional teams in sales and marketing and our central teams such as SEO, CRM, growth engineering, content, brand, and PR and communications.

Growth

Are you passionate about making a difference? We're seeking enthusiastic and dedicated individuals to join our Operations & Customer Success team. This is a unique opportunity to contribute to our mission of delivering exceptional service to our valued customers. Join us in transforming the banking experience and making it more effortless and user-friendly - Join Qonto!

🌟 As a part of our Operations & Customer Success team, you play a critical role in providing unparalleled service to our customers. Your role extends beyond customer interaction, encompassing the fluidity of internal processes and maintaining utmost security, especially in back-office operations and fraud prevention.

🌍 Joining our team means becoming a key player in a diverse, multinational team committed to elevating customer experience to new heights. We strive to make Qonto the best choice for our customers, and your role is instrumental in this journey.

👨‍👩‍👧‍👦 We are a family of 320+ talents with expertise that spans across every facet of the customer journey, from onboarding to hearing the voice of the customer. We operate from our vibrant hubs in Barcelona, Belgrade, and Paris, and we're excited for you to bring your unique abilities to our team.

Operations

Our Product & Design team is dedicated to crafting special digital experiences and pushing the boundaries of what's possible.

🚀 Our Product People focus on creating the best features possible. Features that add true value through top-class engineering, design, and operational expertise.

🎨 In the Product & Design team, you'll be guided and up-skilled by specialists with a solid track record of building successful, large-scale business and consumer products.

👥 Our team of 150+ talents includes Product Managers, Product Designers, Brand Designers, UX Writers, and Product Marketing Managers.

Product

We are first engineers and then developers. At Qonto, you will contribute to the decision-making process for new projects or features, working closely with the Tech and Product team. You will be given time to craft your best implementation, with the support of highly skilled colleagues from whom you can learn every day.

💡 The Tech & Data team crafts smooth and efficient user experiences, highly scalable APIs, and robust banking services. The end goal? To build the best product, strengthen our data platform, and ultimately develop the finance solution that will energize Europe's SMEs and freelancers.

👩‍💻 About our team: Our Tech and Data department proudly counts more than 400 international members, including Backend and Frontend engineers, Mobile engineers, SREs, Data, IT, and Security experts. Our engineers actively participate in discussions regarding the product's direction, manage our ever-growing user base needs, and deliver high-quality products in a fast-paced environment with strong ownership.

⚙️ About our technical stack: our primary languages are Python, Golang and Ruby for Backend, EmberJS (soon React!) for Frontend, and Kotlin and Swift for our mobile apps. Our platform runs on a Kubernetes cluster hosted on AWS, with PostgreSQL as our database of choice. We're also using Kafka for our event-driven architecture and ELK for logging and auditing, among many other tools, services, and applications. Additionally, our data team harnesses a state-of-the-art modern data stack, seamlessly integrating Airflow, Snowflake, DBT, Tableau, Scikit-learn, and XgBoost.

Credit Fraud Analyst

Qonto

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