Qonto

Account Manager

• Own a high-touch portfolio: You will act as the strategic partner for approximately 100 key accounts and build long-term relationships with stakeholders up to C-level.
• Drive adoption and value: You manage onboarding and individual enablement plans and conduct Quarterly Business Reviews (QBRs) to measurably increase product usage and strategic value for your customers.
• Generate revenue: You identify expansion opportunities based on data, run discovery conversations, and negotiate upsells and cross-sells to drive Net Revenue Retention (NRR) growth.
• Ensure customer retention: You identify churn risks early, manage escalations confidently, and prepare contract renewals to maximize Customer Lifetime Value.
• Optimize processes: You continuously evolve our playbooks for high-touch management and represent the "Voice of the Customer" by relaying customer feedback to our product and operations teams.

Key Account Manager, Germany

Sales

• Upsell and cross-sell: Growing our clients by addressing new needs and thus generating upsell (higher plan, add-on, additional cards…)
• Engagement: Build strong relationships with your clients by being their main point of contact, understanding their needs, and anticipating their business concerns. Analyze relevant data to make the best recommendations to ensure proper adoption and usage of Qonto.
• Voice of customers: Customer feedback is precious, collect and share client feedback with internal teams, share case studies, and encourage client participation in testimonials, presentations, and events - all aimed at continuous product improvement.
• Take ownership: Identify anomalies, optimize, and set up new ways with a data approach to identifying any upsell, engagement, retention signals/risk.

Inbound Sales Manager, Upsell & Cross-sell

Auditor

• Join us as an Internal Auditor - Compliance and help shape Qonto's audit processes as one of the first members of our recently established Internal Audit team.
• Contribute to audit missions: Support and execute generalist and compliance audit initiatives in collaboration with the internal audit team and external providers to ensure compliance with regulatory obligations;
• Participate in centralised process audits: Participate in audit missions focused on centralised processes from our headquarters (fraud management, operational risks, …);
• Follow-Up on recommendations: Ensure timely implementation and monitoring of audit recommendations;
• Assist in conducting the annual risk assessment: Assist the Head of Internal Audit in conducting the annual risk assessment on Qonto’s risks.

Internal Auditor – Compliance

iOS Engineer

• Craft cutting-edge financial features: Work on critical architectural and UI features that will directly impact our end users.
• Foster meaningful collaboration: Work closely with back-end teams, designers, and product managers to create a unified vision.
• Solve real-time challenges: Tackle real-time synchronization issues and spearhead new initiatives.
• Champion quality: Maintain an exceptional level of quality by implementing continuous refactoring and unit testing to consistently enhance the codebase.

Senior iOS Engineer

• Craft cutting-edge financial features that impact end users
• Work closely with back-end teams, designers, and product managers
• Tackle real-time synchronization issues and spearhead new initiatives
• Maintain high quality with continuous refactoring and unit testing

Operations

• As a Banking Operations Manager (Juridical) - German Market at Qonto, you will:
• Manage sensitive procedures: Process and follow up on administrative seizures, judicial liquidations, enforcement actions (bailiff seizures), and inheritance procedures.
• Handle communication: Interact directly with German authorities, creditors, and lawyers in writing to ensure accuracy and compliance (no direct calls or direct customer communication).
• Collaborate cross-functionally: Work closely with internal teams (Banking Operations, Customer Care, and Legal) to ensure operations are handled efficiently and with care.
• Oversee account lifecycle: Manage account closures smoothly and prepare circular letters for external auditors.
• Improve processes: Refine and update daily operational processes to enhance efficiency and maintain excellence.

Banking Operations Manager – Juridical, German market

Accountant

• Define and lead Qonto’s end-to-end CRM strategy dedicated to Accountant Partners.
• Contribute to defining and evolving the Accountants lifecycle framework in close collaboration with key stakeholders.
• Drive the end-to-end delivery of one-shot and automated campaigns across 8 markets, focusing on testing, performance tracking, and continuous improvement.
• Clean, enrich, and segment the accountant database and set up robust performance reporting across all digital channels.
• Identify, implement and optimize the marketing automation tooling to ensure a scalable setup across markets.

CRM Accountant

Customer Retention Specialist

• Design scalable experiences for a large base of satisfied customers using multiple levers (CRM, events, community, ambassador program, swag, videos…) — including solutions for busy entrepreneurs who don’t have time to join a community.
• Build an à la carte engagement model for customers who want to participate (e.g., product feedback, referrals/affiliate, testimonials & social content, event co-hosting).
• Leverage and grow our two key communities: the Ambassador Program with over 1,000 members and StrongHer, our community for women entrepreneurs.
• Run experiences and events (online and onsite, including regional events) that create strong brand moments.
• Amplify social proof by turning customer experiences into high-performing content for Qonto and clients’ channels.
• Partner with Brand, Social, CRM, Product, and Customer teams to deliver cohesive end-to-end experiences and measure impact.

Customer Loyalty – Community Builder

• Analyze and manage incoming card payment disputes and chargeback requests (clients disputing payments due to suspected fraud or commercial disputes) with precision and efficiency.
• Foster seamless interactions with cross-functional teams to enhance communication and collaboration.
• Work closely with external providers to ensure smooth operations and high quality standards.
• Contribute to the continuous improvement of our financial and risk management processes.

Banking Operations Manager – Cards, French, English

• Manage accounting processes, including bank reconciliations, VAT reconciliations, and monthly closings, with consistent accuracy;
• Coordinate with local accounting firms for tax filings and financial statements, ensuring compliance with local accounting standards and reporting requirements;
• Identify and implement process improvements to increase efficiency within the finance department.

General Accountant – European Markets

Risk

• Monitor and analyze Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs) across all risk types (Financial, Credit, Operational, Fraud, and Compliance) to detect trends and divergences.
• Act as a strategic partner by challenging indicator owners when metrics deviate from targets, and negotiating effectively to get them back on track.
• Drive the risk culture by proposing new indicators and proactively identifying areas where we need more control or where we should stop certain activities.
• Develop and maintain the Enterprise Risk Management framework, ensuring it scales with our growth and regulatory requirements.
• Produce high-impact reporting, including the Risk & Compliance North Star.

Enterprise Risk Manager

Machine Learning Engineer

• Develop new models end-to-end, from understanding product requirements to implementation and deployment.
• Align with various stakeholders, including Product Managers, Data Engineers, and Backend Engineers to ensure seamless integration of ML solutions into the product ecosystem.
• Develop models: design, train, evaluate, and iterate on ML models using modern techniques tailored to real business problems.
• Put models into production with robust technical implementation and quality assurance processes.
• Create an ML Ops framework for the team to ensure our models scale effectively with proper monitoring and alerts (e.g., model drift detection, performance tracking, automated retraining pipelines).
• Share best practices within the ML team, contributing to internal knowledge, tooling improvements, and mentoring peers.

Senior Machine Learning Engineer – AI Product

Analyst

• Monitor and analyze transactions to detect fraud patterns, focusing on scams, phishing attempts, and account takeover activities
• Conduct risk assessments for new products and features while ensuring robust onboarding fraud prevention
• Investigate potential fraud cases and implement preventive measures across financing and payment products
• Collaborate with Risk and Security teams to enhance fraud detection capabilities and align strategies
• Deliver high-quality, timely fraud analysis while maintaining customer satisfaction and operational efficiency

Fraud Analyst – Spanish, French Market

Compliance

• Run the daily Regulatory Watch (≈50% of your time): Use Corlytics to monitor eight European markets, perform triage on regulatory alerts, and route them to the correct stakeholders (including the AML team).
• Support Payment Compliance: Ensure customer protection by helping analyze payment rules, client claims, account suspensions, and T&Cs changes.
• Act as an Internal Counsel: Read and interpret legal texts across different European countries and explain complex regulatory constraints to non-legal stakeholders.
• Lend a hand on ad-hoc projects: Support the team on evolving regulatory priorities (like the Credit License) and jump in for short support missions (e.g., 1-2 days) for other regulatory sub-teams.

Regulatory Compliance Intern

Performance Marketing

• Manage and optimize paid search and social media campaigns (primarily Meta, with TikTok/Snapchat) to drive direct customer acquisition.
• Achieve ambitious growth targets, helping Qonto to grow in the Dutch market.
• Oversee a large budget, focusing heavily on efficiency and reducing Customer Acquisition Cost (CAC).
• Collaborate closely with the Netherlands tribe on strategy and with central teams (Design, Growth Ops) for creative assets, tracking, and data analysis.
• Explore and potentially manage media awareness and programmatic campaigns to further support the market's growth.

Key Account Manager, Germany

Inbound Sales Manager, Upsell & Cross-sell

Internal Auditor – Compliance

Senior iOS Engineer

Senior iOS Engineer

Banking Operations Manager – Juridical, German market

CRM Accountant

Customer Loyalty – Community Builder

Banking Operations Manager – Cards, French, English

General Accountant – European Markets

Enterprise Risk Manager

Senior Machine Learning Engineer – AI Product

Fraud Analyst – Spanish, French Market

Regulatory Compliance Intern

Performance Marketing Specialist