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, of which 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. ------------------------------------------------------------------------------------------------------ Join us as a Financial/Structural Risk Manager to secure Qonto's financial foundations as we transition into a regulated bank. You'll tackle liquidity and interest rate risks, design the policies that frame ALM operations, and build models that directly impact Qonto's P&L. You will work in a pair with an experienced Financial Risk Manager, reporting to Clément, Head of Financial Risk Management. ➡️ What you'll do * Identify, measure, and monitor structural risks: Liquidity, interest rate, solvency, and FX risks — ensure Qonto's financial stability across all dimensions. * Design and maintain financial risk policies: Write the frameworks that define how the ALM team operates. You set the rules, monitor compliance, and give ALM autonomy within those boundaries. * Build risk models and dashboards: Use SQL and Python daily to value complex financial instruments (bonds, swaps), track Key Risk Indicators, and improve modelling infrastructure. * Challenge Finance and ALM teams: Ensure their strategies align with Qonto's risk appetite and regulatory constraints. You bring data-backed analysis, not just opinions. * Contribute to regulatory exercises: Help structure the department's processes for Qonto's future status as a Credit Institution — ILAAP, ICAAP, and supervisory reporting. ➡️ What we're looking for * 5+ years in Structural or Financial Risk Management: You've managed liquidity, interest rate, or market risks in a bank or financial institution. You understand the domain deeply, not theoretically. * Technical proficiency in SQL and Python: You manipulate data, use financial libraries, and build models from scratch. You don't depend on others for your analysis. * Deep financial instruments knowledge: Bonds, interest rate swaps, and risk metrics (LCR, NSFR, VaR, sensitivities) are your daily vocabulary. FRM certification is a plus. * Clear communication on complex topics: You explain financial concepts to non-experts and engage confidently with stakeholders when risk positions need to be defended. * Languages: Fluent English. French is a plus. ➡️ What we can offer you * Direct P&L impact: Your analysis guides strategic decisions on asset allocation, hedging, and revenue optimisation. This isn't back-office risk reporting — your work moves the numbers. * A pivotal moment — becoming a bank: Qonto is structuring its banking operations with expectations of significant growth. You'll build the financial risk framework for a Credit Institution, not maintain an existing one. * "Trust but verify" methodology: The Risk team sets policies and monitors compliance; ALM executes with autonomy. You define the boundaries and ensure they hold. * A pair-working model: You'll work alongside an experienced Financial Risk Manager, with direct access to Clément. Technical depth and ownership are valued over hierarchy. ➡️ Your future manager Your manager will be Clément, Head of Financial Risk Management. * His path? Nearly 4 years at Qonto — joined as Senior Financial Risk Expert and promoted to Head of Financial Risk Management in 2024, leading ALM strategy design and risk policy development for the Credit Institution filing. Before Qonto, 6+ years at Bpifrance: Front Office (funding EMTN & NEU CP, hedging strategy), Financial Risk Manager, then Head of Financial and Country Risks Management. Toulouse School of Economics graduate. * What does he bring to the team? Deep financial risk expertise built across public investment banking and fintech. He values analytical rigour, fosters a collaborative environment, and gives his team real ownership. He's navigating Qonto's Credit Institution transition from the risk side — you'll be at the centre of that work. 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.   By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice for full details.   ------------------------------------------------------------------------------------------------------   On average, our hiring process lasts 20 working days. More information on our candidate journey here   ------------------------------------------------------------------------------------------------------ 🔒 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])