Senior FP&A Business Partner — Credit Expert
Qonto
Paris, France
Posted on Oct 28, 2025
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 establish and coordinate the financial performance management of our new credit activity. You'll be our first credit-specialized FP&A hire, building robust forecasting models and becoming the key financial business partner for this strategic area.
⚡ Impact:
This role will have a significant impact on Qonto's growth trajectory by enabling effective financial management and performance tracking of our credit activity, directly supporting our strategic goals of financial transformation. You'll be instrumental in building the financial infrastructure that will help us scale our credit offering to serve hundreds of thousands of SMEs. You'll work closely with Marine, our VP Strategic Finance with 25 years of experience in financial products and FP&A transformation in the payments and tech industries, who will support you in co-constructing the financial framework for this new business line.
👩💻🧑💻 As a Senior FP&A Business Partner — Credit Expert at Qonto, you will
• Structure the performance management of the new credit activity within 12 months, including KPIs, provisioning models, and unit economics frameworks
• Implement regular production and analysis of credit-specific financial indicators (cohort performance, losses, cost of risk, funding costs)
• Develop robust and reliable forecasting models for the credit business, incorporating multiple scenarios and risk factors
• Establish strong relationships and act as the financial business partner for the credit area, coordinating with Risk, • Corporate Finance, and Product teams
• Lead budget and rolling 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 launch our credit activity, giving you the opportunity to build something from scratch in a fast-growing fintech environment. You'll work closely with our Risk team as primary interlocutors, alongside Corporate Finance and Product development teams.
• Methodologies: We value structured analysis and data-driven decision making. You'll have autonomy to implement processes and coordinate across multiple departments while co-constructing knowledge with your manager. We emphasize upfront planning, quality delivery, and continuous improvement.
• Tools we use: Advanced Excel modeling, financial planning systems, and data analysis tools. You'll have the opportunity to enhance our toolkit as we build the credit FP&A infrastructure.
• Recent projects: We're currently developing new financial indicators for our credit activity, implementing forecasting methodologies, and supporting the broader finance transformation initiative across Qonto.
🤝 About your future manager/ Head of
Marine brings 25 years of professional experience with a deep focus FP&A and finance transformation activities in the payment and tech industries. She's currently learning Qonto's processes and is excited to co-construct knowledge with you. Her leadership style emphasizes autonomy, collaboration, and building expertise within the team. Marine will 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: You have experience with credit/lending metrics (LTV, cohort analysis, provisioning) and strong financial modeling skills. You understand the fundamentals of loss provisioning, cost of risk calculation, and credit-specific performance indicators.
• Advanced Financial Modeling: You excel at building complex forecasting models with multiple variables and scenarios. You have advanced Excel skills and ideally some experience with Python/SQL for data analysis.
• Strategic Business Partnering: You have proven experience as a finance business partner with strong communication and presentation skills. You can influence without authority and translate complex financial data into clear business insights.
• Cross-functional Collaboration: You have a track record of working effectively across functions, building consensus, and coordinating complex projects with multiple stakeholders, ideally including Risk teams.
• Autonomous Leadership: You have 7+ years of experience with increasing autonomy and demonstrated learning agility. You can work independently, take initiative, and quickly learn new domains while ensuring alignment with your manager.
🎁 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;
- Meal vouchers;
- 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 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 🤞
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