Our mission and customers
Our platform simplifies banking and finance management for SMEs today, so that they can build their tomorrow. We offer a finance management platform with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 53,000+ reviews.
Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75. This level of satisfaction is far above typical traditional banking scores, often ranging from 3 to 12, sometimes even lower.
Our journey
Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000 customers across 8 European countries: France, Germany, Italy, Spain, Portugal, Austria, Belgium, and the Netherlands. We have been profitable since 2023, and we are just getting started as we want to become the indisputable European leader in SME finance management.
Our beliefs
We hire for skills and potential. With 80+ nationalities, 45% women, and 56% of women in our leadership team, diversity is simply part of who we are.
AI at Qonto
We see AI as a catalyst for our success.
We always choose thinking over routine. That's why AI is already deeply embedded in how we work - not as a trend, but as a way to raise the bar for the entrepreneurs who count on us. That is why we grant our Qontoers unlimited access to the best AI tools on the market - Claude Code, Cursor, Copilot, Dust, and Notion AI.
We want people who experiment without waiting for permission. Who push AI beyond the obvious. Who know when to trust it and, more importantly, when to question it.
Already pushing AI limits? You'll fit right in.
Join us as an
Asset & Liability Manager (ALM) to steer Qonto’s balance sheet as we transition from a Payment Institution to a fully licensed Bank. You will work directly with
Kevin, Head of ALM, to optimize our balance sheet, ensuring we maximize profitability while strictly adhering to new regulatory capital and liquidity requirements.
👩💻🧑💻 As an ALM at Qonto, you will
• Steer ALM Metrics & Reporting: You will monitor and project key metrics (gaps, LCR, NSFR, EVE, NII, RWA… ) and contribute to internal risk reporting and stress testing.
• Design Hedging Strategies: You will implement and follow up on IRR strategies in coordination with Finance and Risk teams to manage our exposure.
• Optimize Capital & Liquidity: You will steer the balance sheet and manage investment allocation to maximize risk-adjusted returns while supporting sustainable growth.
• Build and maintain ALM models: You will build and challenge IRRBB & Liquidity models with the Risk team, to support our transition toward a banking balance sheet structure.
• Drive Regulatory Readiness: You will participate in scenario analysis and regulatory workstreams to ensure our framework meets future banking requirements (ACPR).
🤔 What you can expect
• Market Context: You are joining at a pivotal moment where Qonto is transforming its regulatory status, giving you the unique opportunity to build a bank's ALM framework from the ground up.
• Team: You will be the first senior addition to a lean, expert team of two, offering you immediate exposure to high-level strategic decisions and the autonomy to lead your own projects.
• Methodology: We value a quantitative approach over qualitative judgment. You will challenge assumptions using data and build robust models rather than just relying on existing templates.
• Tools: We use a modern tech stack including Python, SQL, and VBA to manipulate large datasets and industrialize our financial monitoring.
🤝 About your future Manager
Your manager will be Kevin Guetta, our Head of ALM.
• His path? Graduated from the ENSAE Paristech, Kevin began his career in market finance at top-tier institutions like Goldman Sachs and Nomura, honing his expertise in fixed income trading and structured products. He then spent over six years at La Banque Postale, rising to become Head of ALM Operational Management. For the past two years, he has been leading the creation and development of Qonto’s ALM function from the ground up.
• What he can bring to the team? Kevin combines the agility of investment banking with the rigorous standards of retail banking ALM. He fosters a culture of transparency and autonomy, valuing a quantitative, data-driven approach to problem-solving. With him, you will not only master complex regulatory frameworks like IRRBB and liquidity modeling but also play a strategic role in transforming Qonto into a regulated bank.
🏅 About You
• Experience: You have 7+ years of experience in ALM or Treasury within a regulated bank (Retail or Investment), where you gained deep knowledge of Basel III/CRR regulations.
• Regulatory Mastery: You have hands-on experience with ILAAP, ICAAP and IRRBB frameworks and have ideally managed relationships with regulators like the ACPR.
• Quantitative Skills: You have strong quantitative capabilities in modeling balance sheet risk metrics and behavioural assumptions, and can leverage quantitative analysis to support ALM and hedging strategies.
• Autonomy: You have a track record of leading projects independently and can prioritize strategic initiatives alongside daily monitoring without constant supervision.
• Languages: You speak native-level or fluent French (mandatory for ACPR interactions) and are fluent in English. You can explain complex financial risks to non-experts.
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.