Head of Credit Risk

Responsibilities

• Design and own Qonto's end-to-end credit risk framework, translating risk appetite into operational policies, underwriting standards, and governance models.
• Serve as the second line of defense by reviewing complex credit decisions and monitoring key risk indicators such as cost of risk, NPL ratios, and provisions.
• Lead portfolio monitoring and recovery, tracking concentration risks and building collections strategies in line with IFRS 9 and regulatory requirements.
• Partner cross-functionally with Product, Data, and Financing teams to assess risks for new products and champion the use of AI/ML in automated underwriting and real-time scoring.
• Build and lead a high-performing Credit Risk team from the ground up, fostering a risk-aware culture across European markets.

Requirements

• 8–12 years of experience in credit risk with a strong background in SME or corporate lending.
• Deep expertise in credit underwriting, portfolio monitoring, provisioning (IFRS 9), and recovery processes.
• Strong command of regulatory requirements including CRR, Basel, and ACPR.
• Hands-on experience leveraging AI/ML in credit risk processes.
• Proficiency with data tools such as SQL and Python.
• Proven leadership experience in building, hiring, and developing talent.
• Fluency in both French and English.

About the Company

Qonto is creating freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core. Founded in 2017, Qonto serves over 600,000 customers across 8 European countries and has been profitable since 2023. We are a diverse, high-growth team that deeply embeds AI into our workflows to empower our employees and customers.