Credit Fraud Analyst

Qonto; Paris; Sur place; EUR 40 000 - 60 000; Plein temps

Résumé du poste

A leading fintech company in Paris seeks a Credit Fraud Analyst to manage credit fraud detection processes and ensure safe credit operations. Responsibilities include analyzing financial documents, collaborating with teams, and improving fraud prevention systems. Ideal candidates will have prior credit expertise and strong analytical skills. Competitive salary with various perks including meal vouchers and health insurance.

Prestations

Offices in Paris, Berlin, Milan, Barcelona, and Belgrade

Competitive salary package

Meal vouchers

Public transportation reimbursement

Great health insurance

Employee well-being initiatives

Progressive disability and parenthood policy

Monthly team events

Qualifications

• First experience in credit institutions, traditional banks, or fintechs.
• Experience analyzing financial documents and detecting fraud.
• Ability to take initiative and build processes independently.
• Experience working with external partners.

Responsabilités

• Establish operational processes for detecting and preventing credit fraud.
• Analyze credit applications daily to detect fraudulent documents.
• Act as the main contact with external operations partner.
• Collaborate with the Credit Risk team.

Connaissances

Credit expertise

Fraud detection skills

Autonomy and ownership

Stakeholder management

Analytical thinking under pressure

Description du poste

Our mission

Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance.

Our journey

Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 600,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking!

Our values

• Customer focus | Prioritize customers in everything you do
• Ownership | Own your part, get things done
• Teamwork | Make (team)work easy
• Mastery | Continuously raise the bar
• Integrity | Always do what’s right, and respect people

Our beliefs

At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 55% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.

Discover the steps we took to create a discrimination-free hiring process.

Join us as a Credit Fraud Analyst and become the credit fraud expert within Qonto's Fraud team. As Qonto expands its credit license and products, you will establish operational processes for detecting and preventing credit fraud, ensuring we can scale our credit offerings safely while delivering an excellent customer experience.

You will work closely with Thibault, Head of Fraud, and support Qonto strategically as you establish this critical function. You will work on shaping how Qonto protects its credit products from fraud while enabling legitimate businesses to access financing seamlessly.

As a Credit Fraud Analyst at Qonto, you will

• Build and operationalize credit fraud detection processes, establishing clear rules and guidelines for credit operations
• Analyze credit applications daily to detect fraudulent documents (invoices, quotes, bank statements) and prevent financing scams and money laundering
• Act as the main point of contact with our external operations partner, providing escalation support, training, and challenging their operational decisions
• Collaborate with the Credit Risk team to challenge existing scoring rules and improve the balance between fraud prevention and customer experience
• Handle edge cases autonomously, making quick decisions on whether to approve or reject credit applications based on fraud risk assessment
• Develop documentation and processes to ensure credit fraud operations are scalable and efficient as Qonto grows

What you can expect

• You will be the credit fraud expert in a team of fraud specialists across 8 markets, with full ownership of this domain
• Qonto is scaling its credit products rapidly. Pay Later was the first stone of more advanced credit offerings, and will be your main focus at first
• Your work will directly impact our ability to grow credit products safely while maintaining excellent customer experience
• You will work in a collaborative environment with Product, Tech, and Credit Risk teams to build new capabilities as needed

About your future manager

Thibault is our Head of Fraud and has been with Qonto for over 6 years, growing from Analyst to Head. He relocated to Barcelona in 2022 to establish and scale our AML/Fraud team from scratch.

He brings a hands‑on, results‑oriented leadership style. He's obsessed with continuous improvement and believes in giving his team autonomy to solve problems and deliver impact. He values bottom‑up prioritization, clear communication, and building a culture where everyone can grow. You'll have the space to take ownership, make decisions, and shape how fraud project management works at Qonto.

About You

• Credit expertise: You have first experience in credit institutions, traditional banks, or fintechs. You understand credit products, credit risk assessment, and the specific fraud patterns that occur in lending.
• Fraud detection skills: You have experience analyzing financial documents (invoices, quotes, bank statements) and can spot red flags that indicate fraud. You know how to detect false or manipulated documents and have successfully uncovered fraud cases in the past.
• Autonomy and ownership: You take initiative without waiting for instructions. You have built processes, identified gaps, and implemented solutions independently in previous roles. You thrive in ambiguous environments where you need to figure things out.
• Stakeholder management: You have worked with external partners or vendors and can challenge decisions constructively. You communicate clearly in French and English and can influence without direct authority.
• Analytical thinking under pressure: You can make quick decisions with incomplete information, balancing fraud prevention with customer experience and business objectives. You are comfortable handling edge cases and explaining your reasoning.

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

• Offices in Paris, Berlin, Milan, Barcelona, and Belgrade
• Competitive salary package
• Meal vouchers
• 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 or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like

Find more information about our interview process on our careers website.

On average, our process lasts 20 working days and offers usually follow within 48 hours.

To learn more about us: Qonto's Blog | Les Échos | L'Usine Digitale | Courrier Cadres

To know how your personal data will be processed during your application process or to request its deletion, please click here.