Head of Credit Risk
Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75.
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. We have been profitable since 2023, and we are just getting started.
Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit.
AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.
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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 monit...