👩‍💻🧑‍💻 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 monitoring and recovery, tracking concentration risks and early warning signals while building Qonto's collections strategy in line with IFRS 9 and regulatory requirements.
• Partner cross-functionally with Product, Data, and Financing teams to assess risks for new products and champion the use of AI/ML in credit risk processes (automated underwriting, real-time scoring).
• Build and lead a high-performing Credit Risk team from the ground up, fostering a risk-aware culture that maintains Qonto's speed and customer obsession across European markets.

🤔 What you can expect

• Market/Team Context: A high-stakes, high-impact environment where Qonto is transforming into a Credit Institution, making credit one of its core product lines.
• Methodologies: You will simultaneously manage today's credit book while building the frameworks that will support 10x growth, balancing strategic design with tactical credit decisions.
• Examples of successful projects: You will work hand-in-hand with front-office teams on day-to-day decisions and collaborate with Data Science to embed AI capabilities into our risk framework.
• Tools we use: advanced tools and databases for portfolio monitoring, financial modeling, and proprietary credit decisioning infrastructure-along with unlimited access to best-in-class AI tools.

🏅 About You

• Experience: You have 8-12 years of experience in credit risk with a strong background in SME or corporate lending from the banking sector, and a proven ability to build frameworks from scratch in fast-moving environments.
• Technical mastery: You possess deep expertise in credit underwriting, portfolio monitoring, provisioning (IFRS 9), and recovery processes, alongside a strong command of regulatory requirements (CRR, Basel, ACPR).
• Data & AI driven: You have hands-on experience leveraging AI/ML in credit risk processes and are proficient with data tools (SQL, Python is a plus) and financial modeling.
• Leadership: You have successfully built, hired, and developed credit risk talent, acting as a mentor and structured thinker who can translate ambiguity into actionable policies.
• Languages: You are fluent in both French and English to effectively communicate across our European markets.

🔒 Your security matters to us

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