Our mission? Creating the finance solution that energizes SMEs and freelancers, so they can achieve more. We simplify everything from everyday banking to bookkeeping and spend management. At Qonto, we’re passionate about creating the best product, so if you’re looking for an ambitious team that’s revolutionizing an old-fashioned industry, get in touch!
Our journey: Alexandre and
Steve launched Qonto in July 2017. Since then, the team has earned the trust of more than 400,000 customers and opened offices in Paris, Berlin, Milan, and Barcelona. Last summer, we joined forces with Penta, a market leader based in Berlin and Belgrade, forming a united team of 1,300 Qontoers. We also made it to the
LinkedIn Top Companies French ranking!
Our values:
Ambition | We tackle big challenges. No matter what.
Teamwork | We create momentum by working together, at the same speed.
Mastery | We pursue excellence through continuous learning. We face challenges with humility. Every day.
Integrity | We're open. We're honest. And we earn the trust of our clients and each other.
You can find out more about the
Qonto Way here.
Our beliefs: Our goal at Qonto is to create a warm and welcoming environment where individuals from all walks of life can truly thrive. We've gone above and beyond to ensure that every applicant is evaluated solely based on their skills and potential, rather than their gender, ethnicity, age, (dis)ability, or any other irrelevant factor. Our team consists of 49% international individuals, with 44% women and 20% parents. With this diversity, we are a powerful force! Join us in our mission to build a workplace that celebrates diversity and embraces individuality.
Discover the steps we took to create a discrimination-free hiring process.
Our career track: At Qonto, we cherish your unique skills, breaking away from conventional labels like "senior" or "director," and instead, offering personalized career tracks and expertise levels from 1 to 9 that truly celebrate your impact!
With the recent obtention of Service 4 under our Payment Institution license, Qonto will offer short-term financing to their clients.
As our Credit Risk Modeler, your mission is to drive our credit offer, ensuring regulatory compliance and solid risk management as we expand our services from France to other European markets.
You will report to
Arnaud, our Head of Risk, and work with a team of three specialists based in Paris.
👩💻🧑💻 As a Credit Risk Modeler at Qonto, you will
• Risk Model Development: Develop comprehensive credit risk models to optimize risk assessment and decision-making.
• Portfolio Management: Continually monitor and analyze the credit risk portfolio to identify trends and anomalies.
• Continuous Improvement: Drive improvements by leveraging data, predictive modeling, and statistical analysis.
• Compliance Maintenance: Ensure adherence to all regulatory standards concerning credit risk modeling and management, as well as capital requirements.
• Teamwork: Collaborate with other teams to integrate risk models into business strategies and decisions.
🤔 What you can expect
• Be the pioneering Credit Modeler, instrumental in the creation and management of our credit line.
• Experience the thrill of building from scratch while continually improving our existing processes, making a significant impact on the company.
• Develop a cutting-edge model based on behavioral and transactional data
• Work with a team of experts with a quantitative drive ensuring a learning-rich environment where you can deepen your expertise and develop professionally.
🤝 About your future manager
• Reporting directly to
Arnaud, our Head of Risk, you will work under the guidance of a seasoned professional with over 12 years of experience in the Financial Services industry. With a background in Big 4 consulting and Fintech, Arnaud has a proven track record of launching financial products and defining the best risk framework to properly quantify and assess the risk.
• Arnaud's experience and passion for building statistical models using the latest techniques will be a valuable asset in your work. He brings a wealth of experience from his previous roles as a Data Scientist, Consultant, and Risk Manager.
🏅 About You
• Experience: You have at least 5+ years of experience working in a similar position and already worked on B2B transactional models.
• Quantitative Analysis: You have a solid background in developing and validating robust credit risk models, with a knack for turning data into actionable insights.
• Credit Products: Your understanding of credit products and their associated risks is deep and up-to-date, guiding your risk modeling strategies.
• Regulatory Compliance knowledge: You ensure our models meet all industry and regulatory standards, as well as, capital requirements related to credit activities.
• Time Management: You thrive in a fast-paced environment, effectively managing and prioritizing tasks to deliver high-quality work within tight deadlines.
• Language: You are fluent in English enabling effective communication in our diverse, international team. Any other European language is a plus.
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 laptop. An inclusive work environment. A tailor-made career track. And so much more to help you succeed.
- Monthly team events
- Tailor-made remote work policy depending on the job you apply for
- 25 days of paid leave + 5 Qonto days or 25 days of paid leave + 10 RTT +/-
-
Alan health insurance,
Moka Care to take care of your mental health, and
Gymlib for sports and wellness activities
- A
Swile lunch card: 50% covered
- A progressive parenthood policy as part of our commitment to the
Parental Act (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners
💪 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 🤞
Thank you for considering joining Qonto. We cannot wait to learn more about you!
One last thing. We recently raised 486M€ in our Series D to ensure we keep growing safely, despite the current economic environment looking a bit gloomy. We revealed our plans for the future here.
To learn more about us:
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