Credit Risk Manager

**Mission**

Join us as a Credit Risk Manager to shape and implement our credit risk strategy for Qonto's B2B lending products. You'll be instrumental in building and safeguarding our growing credit portfolio while enabling SMEs across Europe to access the financing they need to grow.
- **Impact**

Working closely with Clément Chaperon in our Financial Risks team, you'll drive the development of our credit products while ensuring robust risk management. Your work will directly impact Qonto's ability to serve our 500,000+ customers with innovative credit solutions.

**‍ As a Credit Risk Manager at Qonto, you will**:

- Design and implement comprehensive credit policies and decision frameworks, incorporating risk-based pricing strategies while ensuring regulatory compliance
- Drive the implementation and maintenance of IFRS 9 standards, managing expected credit loss calculations and provisioning methodologies
- Lead our B2B credit portfolio performance monitoring through thorough portfolio reviews, cohort analysis, and early warning indicators
- Develop and maintain our credit risk reporting infrastructure using SQL and Python, creating insightful dashboards for portfolio performance and risk metrics

**What you can expect**:

- Team Context: You'll be part of the Financial Risks team within the Risk department, working in a dynamic environment where your analysis directly impacts business decisions
- Tools & Technology: Access to modern risk management tools including Metabase, SQL, and Python for data analysis and portfolio monitoring
- Growth Opportunity: Contribute to shape Qonto's credit products, expanding beyond our current Pay Later offering to develop and launch new solutions
- Impact: Your work will directly influence the financial health of our credit portfolio and help shape the future of B2B credit products at Qonto

**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 brings strong analytical skills and a strategic mindset, fostering a collaborative environment where team members can grow and innovate.

**About You**
- Technical Skills: Proficiency in SQL, Python, and Excel, with experience in credit assessment tools and IFRS 9 implementation
- Risk Expertise: Minimum of 5 years of experience in B2B credit risk management and portfolio oversight
- Education: Master's degree in Finance or Risk Management
- Strategic Thinking: Ability to analyze complex data and communicate findings effectively to stakeholders
- Languages: Fluent in English (French is a plus)

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;
- 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