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.

Responsibilities

• 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.

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.

Qualifications

• 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.