Risk and Prudential Expert

Role Overview

• Establish the Prudential Foundation: Design, implement, and maintain Qonto's internal prudential standards and frameworks, calibrated to its status as a credit institution.
• Lead Key Regulatory Exercises: Define and promote best practices for ICAAP, ILAAP, and SREP responses, ensuring they meet regulatory expectations and align with Qonto's operational model.
• Provide Expert Risk Coverage: Deliver expert-level oversight across all risk types — credit, operational, market, liquidity, and others.
• Advise the Business Proactively: Serve as a trusted advisor to front-line teams, support functions, and senior management on prudential and regulatory risk matters.
• 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.

Requirements

• Prudential Compliance Experience: Prior experience in a similar role at a bank, payment institution, or financial regulator. You understand prudential compliance from the inside and can provide actionable benchmarks.
• Industry Knowledge: Solid background in the banking sector (credit institutions) with hands-on experience across credit, operational, market, and liquidity risk.
• Regulatory Fluency: Practical experience with ICAAP, ILAAP, SREP processes, and the CRR/CRD framework.
• Analytical Mindset: Calibrated judgment — the ability to balance international standards with operational constraints.
• Soft Skills: Autonomous, rigorous, and strong in stakeholder management.
• Language: Fluent in French and English.

Benefits

• Strategic Impact: Play a central role in Qonto's major milestone — becoming a Credit Institution.
• High-Level Exposure: Regular engagement with senior management and become a go-to authority on prudential matters across the business.
• Expert Team: Join a high-performing, cross-functional environment where your expertise will have direct, tangible impact.
• Continuous Learning: Work in a fast-evolving fintech environment that continually exposes you to new regulations and business challenges, deepening your expertise in prudential compliance.