Financial Risk Manager
Qonto
Accounting & Finance
Paris, France
Posted on Feb 7, 2026
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.
Join us as a Financial/Structural Risk Manager to secure the financial foundations of Qonto as we transition into a regulated bank. You will tackle complex challenges related to liquidity and interest rate risks, ensuring our resilience in a shifting macroeconomic landscape. Working directly with Clément, you will shape the strategies that protect our assets and optimize our revenues, playing a key role in building a best-in-class risk management framework.
👩💻🧑💻 As a Financial Risk Manager at Qonto, you will :
• Identify, measure, and monitor structural risks (liquidity, interest rate, solvency, and FX) to ensure Qonto's financial stability.
• Design, write, and maintain the financial risk policies that define the framework for the ALM team's operations.
• Build, maintain, and improve risk models and dashboards using SQL and Python to value complex financial instruments (bonds, swaps,etc.) and track Key Risk Indicators.
• Challenge the Finance and ALM teams ensuring they align with our risk appetite and regulatory constraints.
• Contribute to major regulatory exercises and help structure the department's processes for our future status as a credit institution.
🤔 What you can expect :
• Market Context: Join us at a pivotal moment where we are structuring our banking operations with expectations of significant growth.
• Methodologies: We value a "trust but verify" approach where the Risk team sets the policies and monitors compliance, while giving autonomy to the ALM team for execution.
• Team: You will work in a pair with an experienced Financial Risk Manager, reporting directly to Clément, in an environment that encourages technical depth and ownership.
• Tools: You will use SQL and Python daily to access data and build your models.
• Impact: Your analysis will have a direct impact on the company's P&L and will guide strategic decisions.
🤝 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 values analytical rigor and fosters a collaborative environment where team members are encouraged to grow and innovate.
🏅 About You :
• Experience: You have at least 5 years of experience in Structural or Financial Risk Management.
• Technical Skills: You are proficient in SQL and Python (data manipulation, financial libraries) and can build models from scratch.
• Financial Knowledge: You have a deep understanding of financial instruments (bonds, interest rate swaps) and risk metrics (LCR, NSFR, VaR, sensitivities). FRM certification is a plus.
• Communication: You can explain complex financial concepts to non-experts and have the confidence to challenge stakeholders when necessary.
• Languages: You are fluent in English, French 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 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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