Senior FP&A Business Partner — Credit Expert

Senior FP&A Business Partner — Credit Expert Join to apply for the Senior FP&A Business Partner — Credit Expert role at Qonto 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. ⭐ Mission: Join us as a Senior FP&A Business Partner - Credit Expert to initiate and coordinate the financial performance management of our new credit activity. You’ll be our first credit-specialized FP&A hire, building robust analysis and forecasting models and becoming the key financial business partner for this strategic area. ⚡ Impact: This role will have significant impact on Qonto’s growth trajectory by enabling effective financial management and performance tracking of our credit activity, directly supporting our transformational regulatory transition into a Credit Institution. You’ll work closely with Marine, our VP Strategic Finance, who brings 25 years of experience in finance roles within the payment and tech industries; she will support you in implementing this new business line financial framework. Responsibilities: Structure the new credit activities performance framework to track offer performance end-to-end and contribute to overall company-wide monitoring and reporting. Implement regular production and analysis of credit-specific financial indicators (cost of capital, cost of risk, ROE, …). Develop robust and reliable forecasting model related for credit business, incorporating multiple scenarios and risk factors. Establish strong relationships and act as the financial business partner for the credit activities, coordinating with cross‑functional scope spanning over Product, Ops, Finance, Risk, and Compliance. Lead budget and forecast processes for the credit activity, ensuring alignment across all stakeholders. What you can expect: Market/Team Context: You’ll be joining at an exciting time as we transition into a Credit Institution, giving you the opportunity to contribute to significant business transformation in a fast‑growing fintech environment. You’ll work closely with our Risk and Corporate Finance (ALM) teams and other functions (e.g., Growth and Product teams). Methodologies: We value structured analysis and data‑driven decision making. You’ll have autonomy to implement processes and coordinate in a cross‑functional set‑up while co‑constructing knowledge with your manager. We emphasize upfront planning, quality delivery, and continuous improvement. Tools we use: Advanced Excel modeling, financial planning system, and data analysis tools. You’ll have the opportunity to enhance our toolkit as we build our credit FP&A capabilities. Recent projects: We’re currently defining new financial indicators to monitor our credit activities, improving forecasting models, and supporting the broader finance transformation initiatives across Qonto. About Your Future Manager / Head of Marine brings 25 years of professional experience with a deep focus on FP&A and finance transformation activities in the payment and tech industries. She’ll provide you with the support and guidance needed while giving you the freedom to shape and implement the credit FP&A function. About You: Credit Financial Expertise: Experience with credit/lending metrics and strong financial modeling skills, including loss provisioning and cost of risk calculation. Advanced Financial Modeling: Build complex forecasting models with multiple variables and scenarios; strong Excel skills and experience with data analysis models. Strategic Business Partnering: Proven experience as a finance business partner with strong communication and presentation skills, influencing without authority. Cross‑functional Collaboration: Track record of working effectively across functions, building consensus, and coordinating complex projects with multiple stakeholders, ideally including Risk teams. Autonomous Leadership: 7–10 years of increasing autonomy and demonstrated learning agility; able to work independently and take initiative. 🎁 Perks Offices in Paris, Berlin, Milan, Barcelona, and Belgrade. Competitive salary package. Meal vouchers. Public transportation reimbursement (part or global). Health insurance (depending on the country). Employee well‑being initiatives: access to Moka Care for mental health and great offers for sports and wellness activities. Progressive disability and parenthood policy (1 in 6 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. 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. #J-18808-Ljbffr