Financial Risk Manager

Join us as a Financial/Structural Risk Manager to secure the financial foundations of Qonto as we transition into a regulated bank. You will tackle complex challenges related to liquidity and interest rate risks, ensuring our resilience in a shifting macroeconomic landscape. Working directly with Clément, you will shape the strategies that protect our assets and optimize our revenues, playing a key role in building a best-in-class risk management framework.   👩‍💻🧑‍💻 As a Financial Risk Manager at Qonto, you will : • Identify, measure, and monitor structural risks (liquidity, interest rate, solvency, and FX) to ensure Qonto's financial stability. • Design, write, and maintain the financial risk policies that define the framework for the ALM team's operations. • Build, maintain, and improve risk models and dashboards using SQL and Python to value complex financial instruments (bonds, swaps,etc.) and track Key Risk Indicators. • Challenge the Finance and ALM teams ensuring they align with our risk appetite and regulatory constraints. • Contribute to major regulatory exercises and help structure the department's processes for our future status as a credit institution.   🤔 What you can expect : • Market Context: Join us at a pivotal moment where we are structuring our banking operations with expectations of significant growth. • Methodologies: We value a "trust but verify" approach where the Risk team sets the policies and monitors compliance, while giving autonomy to the ALM team for execution. • Team: You will work in a pair with an experienced Financial Risk Manager, reporting directly to Clément, in an environment that encourages technical depth and ownership. • Tools: You will use SQL and Python daily to access data and build your models. • Impact: Your analysis will have a direct impact on the company's P&L and will guide strategic decisions.   🤝 About your future manager: Your manager will be Clément Chaperon, who brings nearly a decade of experience in the financial sector. Starting at Bpifrance in the dealing room, he advanced to lead the financial and country risks department before joining Qonto two and a half years ago. Clément values analytical rigor and fosters a collaborative environment where team members are encouraged to grow and innovate.   🏅 About You : • Experience: You have at least 5 years of experience in Structural or Financial Risk Management. • Technical Skills: You are proficient in SQL and Python (data manipulation, financial libraries) and can build models from scratch. • Financial Knowledge: You have a deep understanding of financial instruments (bonds, interest rate swaps) and risk metrics (LCR, NSFR, VaR, sensitivities). FRM certification is a plus. • Communication: You can explain complex financial concepts to non-experts and have the confidence to challenge stakeholders when necessary. • Languages: You are fluent in English, French is a plus.   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.