Finance Business Partner - Germany & the Netherlands

• →Act as the country CFO for Germany and the Netherlands: Own the full financial performance of both markets, including weekly pulse, monthly decks, variance analysis that's sharp enough to change a decision. You coordinate with local and central business partners to make sure nothing falls through the cracks between Paris and the field.
• →Closely support Country Manager in both markets: You're not just reporting on performance. You're in the room helping shape it. For Germany, that means reinforcing its position as Qonto's #2 market. For the Netherlands, it means accelerating a high-potential market that's still writing its playbook. Two contexts, one trusted finance partner.
• →Lead Budget and all forecast cycles from day one: Structure assumptions, challenge allocations, keep both country teams aligned. You own the full cycle.
• →Use AI as your second brain, not just a productivity tool: Beyond automating the recurring, you'll build intelligent systems that help country leadership think faster and decide better. That includes anomaly detection before it becomes a problem, scenario modeling on demand, insights that don't wait for the monthly review. Finance as a real-time partner, not a lagging indicator.
• →Shape Qonto's banking transition from the inside: As Qonto becomes a full bank, you'll help define what "good performance" looks like in this new era — new metrics, new regulatory dimensions, new ways of telling the financial story. The governance frameworks don't exist yet. You'll contribute writing them.

• End-to-end FP&A ownership: You've run the full loop, from performance management to forecasting, modeling, and budget cycles ,with a market or business unit as your perimeter. Not just contributed to it, you own it.
• Fluency with senior stakeholders: You've worked alongside Country Manager or VP-level leaders, challenged their assumptions constructively, and kept trust intact even when the numbers weren't what they wanted to hear.
• Fintech, SaaS or banking background: You've built your FP&A skills in a fast-scaling, data-driven environment where finance sits close to business decisions. Banking profiles are equally welcome, as Qonto moves toward full credit institution status, that expertise is a genuine asset.
• Direct by default: You give clear, honest feedback — upward and sideways — and you don't soften it until it loses its point.
• AI already in your workflow and you're ready to go further: You use AI today to move faster and think sharper. You're ready to build on that: agents, autonomous reporting, real-time insights that make you a better business partner, not just a more efficient one.

• Two markets, one role, rare strategic scope, and no two days that look the same: Germany, Qonto's #2 market, scaled, more mature, high-stakes. The Netherlands, our highest-potential emerging market, still accelerating, still being shaped. Managing both simultaneously means constantly adapting your approach, building frameworks in one market that compound into the other.
• Joining at the most consequential moment in Qonto's history: The company is becoming a full credit institution. You'll help build the financial governance supporting that shift.
• Real influence, not just reporting: Direct partnership with country leadership means you're in the room where decisions happen. Your analysis shapes what gets built and funded, and whats gets killed.
• Berlin-based, Paris-connected, AI-native by design: Embedded with the German market. Backed by Qonto's Strategic Finance team in Paris. Working in a culture where AI isn't a feature, it's infrastructure. You'll be expected to push it further.

You'll report to Nathalie, our Strategic Finance Director. Nathalie started her career at a Big 4 firm before moving into corporate FP&A roles across Business Partnering and Revenue at companies like Criteo, Ubisoft, Solocal, and Activision-Blizzard. She joined Qonto to lead a talented Strategic Finance team of five — and she’ll support you in developing your scope, give you the keys to master your topics, and back your continuous growth.