Head of Treasury

Qonto; Paris; On-site; EUR 140,000 - 190,000; Full time

Benefits offered by this job

Operational ownership

Transformation opportunity

Technical dimension

Cross-functional exposure

Job summary

Qonto is seeking a Head of Treasury in Paris to own day-to-day treasury operations during a pivotal PSP-to-bank transition. You will manage cash flows, lead a small treasury team, and ensure regulatory readiness from day one.

Reporting to the Director of Core Finance, you will collaborate with ALM, Risk & Compliance, and core banking teams to shape the treasury infrastructure and processes. The role requires deep banking experience and hands-on leadership.

Qualifications

• Hands-on cash management in a bank or large corporate with significant cash volumes.
• Experience in a licensed banking environment and understanding PSP vs bank treasury.
• Fluent with payment rails (SEPA, SWIFT) and treasury tools (Kyriba, Murex, SAP).
• Led a treasury team of 2–3 people.

Responsibilities

• Manage and optimize daily cash flows under banking regulatory constraints.
• Lead treasury team through the PSP-to-bank transition.
• Serve as primary treasury contact for licensing project and build a roadmap to banking readiness.

Skills

Cash management

Banking experience

Systems literacy

Team leadership

Tools

Kyriba

Murex

SAP

Job description

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe’s leading finance workspace with banking at its core, augmented by financial tools. We are proud to be _ rated 4.8 on Trustpilot _,****based on 55,000+ reviews. Our cultureputs customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75_(more about our culturehere _)._

Our journey: Founded in 2017 by _ Alexandre _ and Steve , Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started.

Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn’t a program; It’s who we are. We’ve built a discrimination‑free hiring process because the best teams are built on merit.

AI at Qonto: AI is deeply embedded in how we work (here)- Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.

As our Head of Treasury , you will own Qonto’s day-to-day treasury operations during a pivotal moment: our transition from a payment institution to a fully licensed bank. You will manage daily cash flows, lead a team of three, and ensure we are operationally ready to meet banking regulatory requirements from day one.

You will report directly to Frédéric Giraud, our Director of Core Finance.

What you’ll do

• Manage and optimize daily cash flows, ensuring proper placement and liquidity management under banking regulatory constraints
• Lead your treasury team through the transition: two Treasury Managers and our Treasury & Systems Expert, who handles our banking infrastructure (SEPA, SWIFT, TMS)
• Serve as the primary treasury contact for our banking license project - conducting the gap analysis between our current PSP operations and banking requirements, and building the roadmap to get us there

What we’re looking for

• Operational cash management : You have hands‑on experience managing significant cash volumes in a bank or large corporate environment (CAC 40 / midcap). You’ve managed daily positions, intraday liquidity, and cash flows - not just forecasts or reports.
• Banking environment : You come from a licensed bank or a large organization with real banking treasury constraints. You understand the difference between PSP and bank treasury operations - concretely, not theoretically.
• Systems fluency : You’re comfortable with payment infrastructure (SEPA, SWIFT) and treasury management tools (Kyriba, Murex, SAP). You don’t need to be an engineer, but you need to speak the language.
• Team leadership : You’ve managed a team of at least 2-3 people in treasury or finance, with different profiles and skill sets.

What we can offer you

• Real operational ownership : You’ll manage significant cash volumes in a regulated banking environment - this is a hands‑on role, not a strategic advisory one. You’ll be in the details.
• A transformation you’ll shape : Qonto is building its banking treasury infrastructure from scratch. You won’t be inheriting a polished machine - you’ll be building it, and that requires someone who takes initiative rather than waiting for processes to be defined.
• A technical dimension : You’ll pilot Alioune, our systems expert, and act as the bridge between treasury operations and our engineering and product teams. Understanding payment rails (SEPA, SWIFT) and treasury tools (Kyriba, Murex, SAP) is part of the job.
• Cross‑functional exposure : You’ll work closely with ALM, Risk & Compliance, and Qonto’s core banking team - at the intersection of operations, regulation, and product.

Your future manager

Frédéric brings deep banking expertise from his years at Société Générale, complemented by nine years at Younited - making him uniquely positioned to guide you through this PSP-to-bank transformation. He’ll provide strategic direction while giving you full ownership of treasury execution and team management.

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.

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.

By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice for full details.

On average, our hiring process lasts 20 working days**. Moreinformationon our candidate journey _ here**_