Financial Risk Manager

Qonto; France; Sur place; EUR 50 000 - 80 000; Plein temps

Résumé du poste

Qonto, a leading fintech company, seeks a Financial Risk Manager responsible for identifying and managing financial risks. The role includes analyzing balance sheets, developing financial models, and collaborating across teams to enhance Qonto's financial strategies while ensuring business resilience. Ideal candidates will have experience in risk management and proficiency in financial modeling tools.

Prestations

Competitive salary package

Meal voucher

Public transportation reimbursement

Health insurance

Mental health and wellness initiatives

Childcare benefits

Monthly team events

Tailor-made remote work policy

Qualifications

• Extensive experience in financial risk management with strong product valuation skills.
• Technical proficiency in Excel, SQL, and Python for risk modeling.

Responsabilités

• Analyze balance sheets and manage financial risks.
• Design data automation solutions and create financial models.
• Propose strategies for balance sheet management and provide risk oversight.

Connaissances

Excel

SQL

Python

Analytical Skills

Strategic Thinking

Formation

Master's in Economics

FRM Certification

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 500,000 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 50% 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.

As a Financial Risk Manager at Qonto, you will be responsible for identifying and managing financial risks across the organization, developing robust processes and implementing strategic actions to mitigate these risks while ensuring business resilience. You will work closely with Clément Chaperon in an autonomous team where you'll play a key role in steering Qonto's financial risk management approach.

As a Financial Risk Manager at Qonto, you will:

• Balance Sheet Analysis: Comprehensively understand Qonto's balance sheet, including investment details, financial counterparties, and revenue generation

• Financial Indicators: Compute and analyze critical financial indicators like liquidity and interest rate metrics for the company

• Data Solutions: Design complex data automation solutions and implement advanced risk metrics and controls

• Financial Modeling: Create sophisticated financial models and lead model integration projects

• Strategic Development: Propose new strategies for balance sheet management, incorporating ESG considerations

• Product Risk Governance: Act as a key risk advisor for new product features and initiatives, conducting thorough risk reviews to ensure potential risks are identified and appropriate safeguards are designed. You'll also maintain and develop essential risk policies as part of the Enterprise Risk Framework

What you can expect:

• Risk Management Framework: You'll serve as the second line of defense, working closely with the ALM department to provide risk oversight while collaboratively developing comprehensive ALM strategies that balance risk and opportunity

• Autonomy and Responsibility: You'll have a high degree of autonomy in a team of three people, being the sole person managing financial risk at Qonto

• Cross-functional Collaboration: You'll serve as a key financial risk expert across the organization, collaborating closely with Finance, Treasury, and Business teams to ensure risk considerations are integrated into strategic decision-making while fostering a collaborative risk culture

• Strategic Innovation Leadership: You'll lead the development of innovative balance sheet management strategies, with the autonomy to propose and implement new approaches that optimize financial performance while maintaining risk parameters and advancing our ESG commitments.

About your future manager:

Your manager will be Clément Chaperon, who is leading the financial and credit risks department.

• His path? With a Master's in Economics from Toulouse School of Economics, Clément built his expertise at Bpifrance over 6+ years before joining Qonto in 2022. His background includes progressive advancement from Risk Intern to Head of Financial and Country Risks Management.

• What he can bring to the team? Clément brings specialized knowledge in derivatives, treasury management, and forex. His expertise in liquidity and interest rate risks management, investment strategy, and risk modeling will support you as you contribute to Qonto's risk management framework. Multilingual and analytically minded, he combines technical financial acumen with a global perspective.

About You:

• Experience: You have extensive experience in financial risk management, with a strong background in financial product valuation and risk management

• Technical Proficiency: You have mastery of Excel, SQL, and Python for financial and risk modeling applications, with FRM considered a plus

• Analytical mind: You have strong analytical skills and a critical mind, and you are able to present the findings of your work to any type of audience

• Strategic Thinking: You can propose innovative approaches to balance sheet management and incorporate emerging considerations like ESG aspects

• Languages: Native-level English is required, with Native-level French language skills considered a significant advantage for this role

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

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 I L'Usine Digitale | Courrier Cadres

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