Credit Risk Analyst

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 600,000 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 55% 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.

Join us as a Credit Risk Analyst to assess the financial health of our clients and enable SMEs across Europe to access the financing they need to grow. You will play a key role on the Financial Risk team, ensuring the quality of our credit portfolio through data-driven credit decision-making.

👩‍💻🧑‍💻 As a Credit Risk Analyst at Qonto, you will:
• Analyze credit requests from our SME clients by reviewing financial statements (P&L, balance sheets,etc.) and assessing their creditworthiness.
• Monitor the quality of the credit portfolio to ensure risks are identified and managed proactively.
• Collaborate with the Financing team to support the launch and management of credit products.
• Leverage data tools (using SQL and Metabase) to extract insights and improve our risk monitoring capabilities.
• Contribute to process improvement by identifying patterns in manual analysis that can be automated or scaled as we grow.

🤔 What you can expect
• Team Context: You will join the Financial Risks team, acting as a bridge between traditional banking analysis and Fintech scalability.
• Methodologies: Automate and scale credit analysis processes.
• Ambition: You will contribute to our goal of becoming a bank.
• Tools: We use internal tools for credit assessment and Metabase (SQL) for data analysis.

🤝 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 values analytical rigor and fosters a collaborative environment where team members are encouraged to grow and innovate.

🏅 About You
• Experience: You have at least 2 years of experience in B2B credit risk management, ideally within a bank or a fintech.
• Hard Skills: You have a solid understanding of financial analysis (corporate financial statements) and basic knowledge of SQL (sufficient to use tools like Metabase).
• Languages: You are fluent in French and are bilingual in English.
• Analytical Mindset: You are rigorous and structured, capable of producing square credit reviews and explaining your rationale clearly.
• Adaptability: You are comfortable working in a fast-paced environment where processes are evolving constantly.

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

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

To know how your personal data will be processed during your application process or to request its deletion, please click here.

🎁 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 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 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 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

To know how your personal data will be processed during your application process or to request its deletion, please click here.