Risk and Prudential Expert

➡️ What you'll do

• Set the Prudential Foundation: Design, implement and maintain Qonto's internal prudential standards and frameworks, calibrated to its status as a credit institution;
• Drive Key Regulatory Exercises: Define best practices for ICAAP, ILAAP, and SREP responses, ensuring they reflect both regulatory expectations and Qonto's operational model;
• Provide Expert Risk Coverage: Deliver expert-level coverage across all risk types — credit, operational, market, liquidity, and beyond;
• Advise the Business Proactively: Act as a trusted advisor to front-line teams, support functions, and senior management on any prudential or regulatory risk matter;
• Represent Risk in Governance: Represent the Risk function in key governance committees — Risk Management Committee, Credit Risk Committee, ALCO, and other relevant forums;
• Drive Efficiency Through AI & Automation: Identify opportunities to automate regulatory and risk processes and champion continuous improvement within the Risk function.

➡️ What we're looking for

• Prudential Compliance Experience: You have held a similar role at a bank, payment institution, or financial regulator. You know what prudential compliance looks like from the inside, and you bring benchmarks we can actually use;
• Industry Knowledge: You have a solid background in the banking sector (Credit Institutions) with hands-on experience across credit, operational, market and liquidity risk;
• Regulatory Fluency: You have hands-on experience with ICAAP, ILAAP, SREP processes, and the CRR/CRD framework;
• Analytical Mindset: You have calibrated judgement — you know how to find the right level between international standards and operational constraints;
• Soft Skills: You are autonomous and rigorous, with strong stakeholder management skills;
• Language: You are fluent in French and English.

➡️ What we can offer you

• Strategic Impact: Be at the heart of Qonto's biggest milestone — becoming a Credit Institution;
• High-Level Exposure: Engage regularly with senior management and be a go-to voice on prudential matters across the business;
• Expert Team: Join a high-performing, cross-functional environment where your expertise will have direct and tangible impact;
• Continuous Learning: Work in a fast-evolving fintech environment where you'll constantly adapt to new regulations and business challenges, deepening your expertise in prudential compliance.

➡️ Your future manager

Your manager will be Guillaume, our VP Risk. Before joining Qonto, Guillaume spent nearly 13 years at La Banque Postale, where he was overseeing cross-functional risk management. He brings deep expertise in building and scaling risk frameworks within a regulated credit institution. Guillaume values autonomy, calibrated judgement, and proactive communication — he will provide strategic direction and support while trusting you to own your deliverables.

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