Risk and Prudential Expert

• →Set the Prudential Foundation: Design, implement and maintain Qonto's internal prudential standards and frameworks, calibrated to its status as a credit institution;
• →Drive Key Regulatory Exercises: Define best practices for ICAAP, ILAAP, and SREP responses, ensuring they reflect both regulatory expectations and Qonto's operational model;
• →Provide Expert Risk Coverage: Deliver expert-level coverage across all risk types — credit, operational, market, liquidity, and beyond;
• →Advise the Business Proactively: Act as a trusted advisor to front-line teams, support functions, and senior management on any prudential or regulatory risk matter;
• →Represent Risk in Governance: Represent the Risk function in key governance committees — Risk Management Committee, Credit Risk Committee, ALCO, and other relevant forums;
• →Drive Efficiency Through AI & Automation: Identify opportunities to automate regulatory and risk processes and champion continuous improvement within the Risk function.

• Prudential Compliance Experience: You have held a similar role at a bank, payment institution, or financial regulator. You know what prudential compliance looks like from the inside, and you bring benchmarks we can actually use;
• Industry Knowledge: You have a solid background in the banking sector (Credit Institutions) with hands-on experience across credit, operational, market and liquidity risk;
• Regulatory Fluency: You have hands-on experience with ICAAP, ILAAP, SREP processes, and the CRR/CRD framework;
• Analytical Mindset: You have calibrated judgement — you know how to find the right level between international standards and operational constraints;
• Soft Skills: You are autonomous and rigorous, with strong stakeholder management skills;
• Language: You are fluent in French and English.

• Strategic Impact: Be at the heart of Qonto's biggest milestone — becoming a Credit Institution;
• High-Level Exposure: Engage regularly with senior management and be a go-to voice on prudential matters across the business;
• Expert Team: Join a high-performing, cross-functional environment where your expertise will have direct and tangible impact;
• Continuous Learning: Work in a fast-evolving fintech environment where you'll constantly adapt to new regulations and business challenges, deepening your expertise in prudential compliance.

Your manager will be Guillaume, our VP Risk. Before joining Qonto, Guillaume spent nearly 13 years at La Banque Postale, where he was overseeing cross-functional risk management. He brings deep expertise in building and scaling risk frameworks within a regulated credit institution. Guillaume values autonomy, calibrated judgement, and proactive communication — he will provide strategic direction and support while trusting you to own your deliverables.