Head of Treasury

Qonto; United States; On-site; USD 180,000 - 260,000; Full time

Benefits offered by this job

Operational ownership

Transformation project

Technical dimension

Cross-functional exposure

Job summary

Qonto is seeking a Head of Treasury to lead day-to-day operations during a pivotal transition from PSP to licensed bank. You will manage daily cash flows, supervise a small team, and ensure readiness to meet banking regulatory requirements from day one.

You will partner with Product & Tech, ALM, Risk & Compliance, and our core banking team to implement ALM directives, optimize liquidity, and align systems (SEPA, SWIFT, Kyriba, Murex, SAP) with banking needs. Fluent French is required.

Qualifications

• Hands-on cash management experience in a bank or large corporate environment with significant cash volumes.
• Experience from a licensed bank or large organization with real banking treasury constraints.
• Familiarity with payment infrastructure and treasury tools.

Responsibilities

• Manage and optimize daily cash flows under banking regulatory constraints.
• Lead treasury team (2-3 members) during transition to banking license.
• Serve as primary treasury contact for the license project and build the roadmap.
• Execute ALM strategies and translate directives into operations.
• Interface with Product & Tech to ensure system alignment with banking requirements.
• Collaborate with Risk & Compliance on regulatory implementation.

Skills

Cash management

Banking environment

Systems fluency

Team leadership

Ownership mindset

ALM execution

French language

Tools

SEPA

SWIFT

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 culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here).

Our journey:

Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000 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
• Execute ALM strategies defined by our ALM team and validated by the ALM Committee, translating directives into operational reality
• Be the credible interface between treasury operations and our Product & Tech teams (Arnaud Alépée's core banking team) to ensure our systems are aligned with banking requirements
• Work directly with our Risk & Compliance teams on regulatory implementation

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.
• Ownership mindset: You question processes, identify inefficiencies, and take initiative without waiting to be told. You adapt quickly to new environments and build where nothing exists yet.
• ALM execution: You've worked alongside an ALM team and know how to translate their directives into operational actions - without pretending to be the strategist.
• French: Fluent French is required for ACPR interactions and the French banking environment.

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.