Credit Risk Analyst
Credit Risk Analyst
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Our mission and customers
Our platform simplifies banking and finance management for SMEs today, so that they can build their tomorrow. We offer a finance management platform with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 53,000+ reviews.
Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75. This level of satisfaction is far above typical traditional banking scores, often ranging from 3 to 12, sometimes even lower.
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: France, Germany, Italy, Spain, Portugal, Austria, Belgium, and the Netherlands. We have been profitable since 2023, and we are just getting started as we want to become the indisputable European leader in SME finance management.
Our beliefs
We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity is simply part of who we are.
We've built a discrimination-free hiring process because we believe the best teams are built on merit.
AI at Qonto
We see AI as a catalyst for our success.
We always choose thinking over routine. That's why AI is already deeply embedded in how we work - not as a trend, but as a way to raise the bar for the entrepreneurs who count on us. That is why we grant our Qontoers unlimited access to the best AI tools on the market - Claude Code, Cursor, Copilot, Dust, and Notion AI.
We want people who experiment without waiting for permission. Who push AI beyond the obvious. Who know when to trust it and, more importantly, when to question it.
Already pushing AI limits? You'll fit right in.
Join us as a Credit Risk Analyst to assess the financial health of our clients and enable SMEs across Europe to access the financing they need to grow. You will play a key role on the Financial Risk team, ensuring the quality of our credit portfolio through data-driven credit decision-making.
👩💻🧑💻 As a Credit Risk Analyst at Qonto, you will:
• Analyze credit requests from our SME clients by reviewing financial statements (P&L, balance sheets,etc.) and assessing their creditworthiness.
• Monitor the quality of the credit portfolio to ensure risks are identified and managed proactively.
• Collaborate with the Financing team to support the launch and management of credit products.
• Leverage data tools (using SQL and Metabase) to extract insights and improve our risk monitoring capabilities.
• Contribute to process improvement by identifying patterns in manual analysis that can be automated or scaled as we grow.
🤔 What you can expect
• Team Context: You will join the Financial Risks team, acting as a bridge between traditional banking analysis and Fintech scalability.
• Methodologies: Automate and scale credit analysis processes.
• Ambition: You will contribute to our goal of becoming a bank.
• Tools: We use internal tools for credit assessment and Metabase (SQL) for data analysis.
🤝 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 2 years of experience in B2B credit risk management, ideally within a bank or a fintech.
• Hard Skills: You have a solid understanding of financial analysis (corporate financial statements) and basic knowledge of SQL (sufficient to use tools like Metabase).
• Languages: You are fluent in French and are bilingual in English.
• Analytical Mindset: You are rigorous and structured, capable of producing square credit reviews and explaining your rationale clearly.
• Adaptability: You are comfortable working in a fast-paced environment where processes are evolving constantly.
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;
- Tailor-made remote work policy depending on the job you apply for and where you live;
- 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 🤞
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Our hiring process
- Interviews with your Talent Acquisition Manager and future managers (1 hour each)
- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
Candidatura gestionada por Qonto