Head of Credit Risk

Our mission and customers

Our platform simplifies banking and finance management for SMEs today, so that they can build their tomorrow. We offer a finance management platform with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 53,000+ reviews.

Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75. This level of satisfaction is far above typical traditional banking scores, often ranging from 3 to 12, sometimes even lower.

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: France, Germany, Italy, Spain, Portugal, Austria, Belgium, and the Netherlands. We have been profitable since 2023, and we are just getting started as we want to become the indisputable European leader in SME finance management.

Our beliefs

We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity is simply part of who we are.

We've built a discrimination-free hiring process because we believe the best teams are built on merit.

AI at Qonto

We see AI as a catalyst for our success 👉🏻 "AI at Qonto - Vision Statement"

We always choose thinking over routine. That's why AI is already deeply embedded in how we work - not as a trend, but as a way to raise the bar for the entrepreneurs who count on us. That is why we grant our Qontoers unlimited access to the best AI tools on the market - Claude Code, Cursor, Copilot, Dust, and Notion AI.

We want people who experiment without waiting for permission. Who push AI beyond the obvious. Who know when to trust it and, more importantly, when to question it.

Already pushing AI limits? You'll fit right in.

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Join us as Head of Credit Risk and become the architect of our credit risk framework—from origination to recovery—as we transition into a Credit Institution. You will have a direct impact on the sustainability of Qonto's credit portfolio across Europe, and you will be supported by Guillaume Biron, our Chief Risk Officer, to scale our lending capabilities responsibly.

👩‍💻🧑‍💻 As a Head of Credit Risk at Qonto, you will

• Design and own Qonto's end-to-end credit risk framework, translating risk appetite into operational policies, underwriting standards, and robust governance models.

• Serve as the second line of defense by reviewing and validating complex credit decisions, and monitoring key risk indicators (cost of risk, NPL ratios, provisions) to trigger corrective actions.

• Lead portfolio monitoring and recovery, tracking concentration risks and early warning signals while building Qonto's collections strategy in line with IFRS 9 and regulatory requirements.

• Partner cross-functionally with Product, Data, and Financing teams to assess risks for new products and champion the use of AI/ML in credit risk processes (automated underwriting, real-time scoring).

• Build and lead a high-performing Credit Risk team from the ground up, fostering a risk-aware culture that maintains Qonto's speed and customer obsession across European markets.

🤔 What you can expect

• Market/Team Context: A high-stakes, high-impact environment where Qonto is transforming into a Credit Institution, making credit one of its core product lines.

• Methodologies: You will simultaneously manage today's credit book while building the frameworks that will support 10x growth, balancing strategic design with tactical credit decisions.

• Examples of successful projects: You will work hand-in-hand with front-office teams on day-to-day decisions and collaborate with Data Science to embed AI capabilities into our risk framework.

• Tools we use: SQL/Metabase for portfolio analytics, advanced financial modeling, and proprietary credit decisioning infrastructure—along with unlimited access to best-in-class AI tools (Claude, Cursor, Copilot, Dust, Notion AI).

🤝 About your future manager

• Their background: Guillaume Biron recently joined Qonto after many years at La Banque Postale, where he built deep expertise in credit risk management and financial regulation within one of France's leading banking groups.

• What they bring to the team: He brings a rare combination of traditional banking rigor and a genuine appetite for fintech innovation. Guillaume believes in giving his team ownership; he will provide you with strong institutional backing and regulatory credibility while expecting you to lead with initiative.

🏅 About You

• Experience: You have 8–12 years of experience in credit risk with a strong background in SME or corporate lending from the banking sector, and a proven ability to build frameworks from scratch in fast-moving environments.

• Technical mastery: You possess deep expertise in credit underwriting, portfolio monitoring, provisioning (IFRS 9), and recovery processes, alongside a strong command of regulatory requirements (CRR, Basel, ACPR).

• Data & AI driven: You have hands-on experience leveraging AI/ML in credit risk processes and are proficient with data tools (SQL, Python is a plus) and financial modeling.

• Leadership: You have successfully built, hired, and developed credit risk talent, acting as a mentor and structured thinker who can translate ambiguity into actionable policies.

• Languages: You are fluent in both French and English to effectively communicate across our European markets.

Our hiring process

- Interviews with your Talent Acquisition Manager and future managers (1 hour each)

- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like

On average, our process lasts 20 working days - more information here on our candidate journey.

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