Credit Fraud Analyst

Qonto; Paris; On-site; EUR 52,000 - 76,000; Full time

Job summary

Qonto is seeking a Credit Fraud Analyst in Paris to own the credit fraud operations end-to-end as we scale our credit products and evolve into a bank.

You will partner with Tech to sharpen our AI fraud detection, continuously improve the AI tool we use to catch fraud and defaults, and rework eligibility criteria when needed.

You will be the cross-market go-to on credit fraud, working with Risk, Product and Customer Care across markets, and you will own processes with real autonomy and impact.

Qualifications

• Hands-on experience with credit fraud or default cases.
• Critical thinking and curiosity to challenge criteria.
• Clear communication with Risk, Product and Customer Care.
• Interest in AI and using AI tools to spot fraud patterns.

Responsibilities

• Own credit fraud operations end-to-end and supervise day-to-day efficiency of our credit fraud processes.
• Partner with Tech to sharpen our AI fraud detection and improve the AI tool used to catch fraud and defaults.
• Analyze credit defaults and rework eligibility criteria when needed.
• Design and implement fraud controls to keep our credit products safe as we scale.
• Serve as cross-market go-to on credit fraud for Risk, Product and Customer Care across markets.

Skills

Credit fraud operations

AI fraud detection

Process optimization

Cross-market collaboration

Tools

AI tools

Data analysis tools

Job description

Join us as a Credit Fraud Analyst to help protect Qonto's credit products as we become a bank. You'll own the operational efficiency of our credit fraud processes end-to-end, reporting to Thibault, Head of Fraud.

What you'll do

• Own credit fraud operations end-to-end: You'll supervise the day-to-day efficiency of our credit fraud processes.
• Sharpen our AI fraud detection: You'll partner with Tech to continuously improve the AI tool we use to catch credit fraud and defaults.
• Rework eligibility, not just enforce it: You'll analyze credit defaults and declined financing to challenge and rework our eligibility criteria.
• Build and run fraud controls: You'll design and implement the controls that keep our credit products safe as we scale.
• Be the cross-market go-to on credit fraud: You'll act as the point of contact for Risk, Product and Customer Care across all our markets.

What we're looking for

• You've worked credit fraud or default cases hands-on: You know how to read a case, question it, and act — not just follow a checklist.
• You bring a critical mind and real curiosity: You question existing criteria and processes instead of taking them at face value.
• You communicate with confidence: You'll work directly with Risk, Product and Customer Care, so clarity and conviction matter.
• You're curious about AI: You're comfortable using AI tools to spot patterns in data, and keen to help us sharpen the AI tool we use to catch fraud.

What we can offer you

• A function you get to build, not inherit: As Qonto becomes a bank, you'll shape the credit fraud function from the ground up.
• Real ownership, real trust: Your manager gives real autonomy — you'll be the team's go-to expert, not someone executing a fixed brief.
• A seat at the table across the business: You'll work directly across teams, with visibility across markets.
• A front-row seat to Qonto becoming a bank: You'll join at a pivotal moment as we launch new credit products.

Your future manager

You will work directly with Thibault Mosser, our Head of Fraud, who has been with Qonto for 7 years and has led the fraud team through an impressive growth phase. He has led the successful separation of Fraud and AML and implemented modern fraud detection systems. Thibault is known for his supportive leadership style that grants teams great autonomy, and brings deep understanding of international fraud management. With him as your manager, you will benefit from a leader who understands both operational details and strategic direction.

At Qonto, we understand that true diversity isn’t just about ticking boxes on a hiring checklist. You may have the missing piece of the puzzle we’ve been searching for all along.

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On average, our hiring process lasts 20 working days. Moreinformationonourcandidatejourneyhere