Come work with me at Qonto! If you think you are the right fit for one of our open positions, please reach out directly through the link so I can refer you.

James Saulsky

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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⭐ Mission Join us as a Credit Risk Manager to shape and implement our credit risk strategy for Qonto's B2B lending products. You'll be instrumental in building and safeguarding our growing credit portfolio while enabling SMEs across Europe to access the financing they need to grow. ⚡ Impact Working closely with Clément Chaperon in our Financial Risks team, you'll drive the development of our credit products while ensuring robust risk management. Your work will directly impact Qonto's ability to serve our 500,000+ customers with innovative credit solutions. 👩‍💻 As a Credit Risk Manager at Qonto, you will: -Design and implement comprehensive credit policies and decision frameworks, incorporating risk-based pricing strategies while ensuring regulatory compliance-Drive the implementation and maintenance of IFRS 9 standards, managing expected credit loss calculations and provisioning methodologies-Lead our B2B credit portfolio performance monitoring through thorough portfolio reviews, cohort analysis, and early warning indicators-Develop and maintain our credit risk reporting infrastructure using SQL and Python, creating insightful dashboards for portfolio performance and risk metrics 🤔 What you can expect: -Team Context: You'll be part of the Financial Risks team within the Risk department, working in a dynamic environment where your analysis directly impacts business decisions-Tools &amp; Technology: Access to modern risk management tools including Metabase, SQL, and Python for data analysis and portfolio monitoring-Growth Opportunity: Contribute to shape Qonto's credit products, expanding beyond our current Pay Later offering to develop and launch new solutions-Impact: Your work will directly influence the financial health of our credit portfolio and help shape the future of B2B credit products at Qonto 🤝 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 brings strong analytical skills and a strategic mindset, fostering a collaborative environment where team members can grow and innovate. 🏅 About You -Technical Skills: Proficiency in SQL, Python, and Excel, with experience in credit assessment tools and IFRS 9 implementation-Risk Expertise: Minimum of 5 years of experience in B2B credit risk management and portfolio oversight-Education: Master's degree in Finance or Risk Management-Strategic Thinking: Ability to analyze complex data and communicate findings effectively to stakeholders-Languages: Fluent in English (French is a plus)

🎁 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;- Tailor-made remote work policy depending on the job you apply for and where you live;- Competitive salary package;- A meal voucher;- 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" rel="noopener noreferrer">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" class="postings-link" rel="noopener noreferrer">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 exercise to demonstrate your skills and give you a taste of what working at Qonto could be like We will send you an interview guide so you can best prepare yourself.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" rel="noopener noreferrer">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" rel="noopener noreferrer">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" rel="noopener noreferrer">L'Usine Digitale</a> | <a href="https://courriercadres.com/inclusion-et-diversite-dans-la-tech-lexemple-de-qonto/" class="postings-link" rel="noopener noreferrer">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" rel="noopener noreferrer">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.

Senior Credit Risk Analyst

Qonto

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General Information