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 Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 500,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking!

Our values:

Customer focus | Prioritize customers in everything you do

Ownership | Own your part, get things done

Teamwork | Make (team)work easy

Mastery | Continuously raise the bar

Integrity | 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 50% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.

Discover the steps we took to create a discrimination-free hiring process.

As Risk Director at Qonto, you will play a pivotal role in our transformation from a payment institution to a fully licensed bank. You'll be instrumental in further enhancing and deploying our risk framework to support our growing financial operations.

Reporting to Maxime, our Chief Risk & Compliance Officer, you'll lead a dedicated team of 15+ risk managers and quantitative risk experts, in charge of the identification, measurement, reporting and steering of all risks (i.e. financial, operational, non-compliance risks), as well as of the design and implementation of credit, IR and liquidity risk models and the development of the full suite of in-house tooling used by the Risk & Compliance function.

👩‍💻🧑‍💻 As our Risk Director, you will:

• Strategic Risk Leadership: Drive the development and implementation of 360° risk management frameworks focusing on:

- Financial Risk (Credit and ALM) as we transition to a banking license.

- Operational Risk by enhancing Fraud Prevention, Incident Management, and Third-Party Risk Management strategies to mitigate potential disruptions and ensure robust operational resilience.

• Financial Asset Oversight: Lead the risk strategy for managing billions in financial assets, ensuring compliance with defined risk policies while enabling sustainable business growth.

• Credit Framework Development: Build and oversee credit risk management systems and policies crucial for our upcoming banking license, establishing foundations for Qonto's credit operations.

• Operational Risk Management: Design and implement a proactive operational risk management strategy, including enhancing fraud & scam detection capabilities to safeguard Qonto’s clients and reputation.

• Product Risk Support: Collaborate with product development teams to support the release of new products by ensuring comprehensive risk assessments are conducted. Develop and implement risk mitigation strategies to address identified risks, ensuring product launches are secure and compliant with regulatory standards.

• Team Leadership: Guide and develop specialised teams across Financial Risk, Quantitative Risk, Ops Risk & Risk Engineering, fostering a strong risk-aware culture throughout the organisation.

• Stakeholder Management: Partner with the Executive Committee to integrate risk considerations into strategic decision-making, while maintaining strong relationships with regulatory bodies during our banking license acquisition.

🏅About you:

• Banking Risk Expertise: 15-20 years of experience in the Banking or Financial Services industry, including 10+ years in financial risk management, with significant exposure to both Credit Risk and Asset Liability Management (ALM) in a banking environment.

• Strategic Leadership: Proven track record as a Risk Director with experience in building risk frameworks during significant organisational transformations.

• Credit Risk Management: Deep expertise in credit risk modelling and management, with experience in implementing credit frameworks in regulated financial institutions.

• Financial Markets Understanding: Strong grasp of ALM principles and financial markets, demonstrated through experience managing substantial financial assets in a regulated environment.

• Change Management: Demonstrated ability to lead risk transformation projects, particularly in organisations transitioning to new regulatory frameworks or licenses.

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;

- 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 Moka Care to take care of your mental health and great offers for sports and wellness activities;

- A progressive disability and parenthood policy (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

Find more information about our interview process on our careers website.

On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞

To learn more about us:

Qonto's Blog | Les Échos I L'Usine Digitale | Courrier Cadres

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Risk Director

Qonto

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