Job Description

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here).

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. We have been profitable since 2023, and we are just getting started.

Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit.

AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it.

As our Head of Treasury, you will own Qonto's day-to-day treasury operations during a pivotal moment: our transition from a payment institution to a fully licensed bank. You will manage daily cash flows, lead a team of three, and ensure we are operationally ready to meet banking regulatory requirements from day one.

You will report directly to Frédéric Giraud, our Director of Core Finance.

➡️ What you’ll do

• Manage and optimize daily cash flows, ensuring proper placement and liquidity management under banking regulatory constraints
• Lead your treasury team through the transition: two Treasury Managers and our Treasury & Systems Expert, who handles our banking infrastructure (SEPA, SWIFT, TMS)
• Serve as the primary treasury contact for our banking license project - conducting the gap analysis between our current PSP operations and banking requirements, and building the roadmap to get us there
• Execute ALM strategies defined by our ALM team and validated by the ALM Committee, translating directives into operational reality
• Be the credible interface between treasury operations and our Product & Tech teams (Arnaud Alépée's core banking team) to ensure our systems are aligned with banking requirements
• Work directly with our Risk & Compliance teams on regulatory implementation

➡️ What we’re looking for

• Operational cash management: You have hands-on experience managing significant cash volumes in a bank or large corporate environment (CAC 40 / midcap). You've managed daily positions, intraday liquidity, and cash flows - not just forecasts or reports.
• Banking environment: You come from a licensed bank or a large organization with real banking treasury constraints. You understand the difference between PSP and bank treasury operations - concretely, not theoretically.
• Systems fluency: You're comfortable with payment infrastructure (SEPA, SWIFT) and treasury management tools (Kyriba, Murex, SAP). You don't need to be an engineer, but you need to speak the language.
• Team leadership: You've managed a team of at least 2-3 people in treasury or finance, with different profiles and skill sets.
• Ownership mindset: You question processes, identify inefficiencies, and take initiative without waiting to be told. You adapt quickly to new environments and build where nothing exists yet.
• ALM execution: You've worked alongside an ALM team and know how to translate their directives into operational actions - without pretending to be the strategist.
• French: Fluent French is required for ACPR interactions and the French banking environment.

➡️ What we can offer you

• Real operational ownership: You'll manage significant cash volumes in a regulated banking environment - this is a hands-on role, not a strategic advisory one. You'll be in the details.
• A transformation you'll shape: Qonto is building its banking treasury infrastructure from scratch. You won't be inheriting a polished machine - you'll be building it, and that requires someone who takes initiative rather than waiting for processes to be defined.
• A technical dimension: You'll pilot Alioune, our systems expert, and act as the bridge between treasury operations and our engineering and product teams. Understanding payment rails (SEPA, SWIFT) and treasury tools (Kyriba, Murex, SAP) is part of the job.
• Cross-functional exposure: You'll work closely with ALM, Risk & Compliance, and Qonto's core banking team - at the intersection of operations, regulation, and product.

➡️ Your future manager

Frédéric brings deep banking expertise from his years at Société Générale, complemented by nine years at Younited - making him uniquely positioned to guide you through this PSP-to-bank transformation. He'll provide strategic direction while giving you full ownership of treasury execution and team management.

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.

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.

By applying, you agree that Qonto processes your personal data to assess your application. Your data is kept for up to 2 years in our candidate pool. Read our Privacy Notice for full details.

On average, our hiring process lasts 20 working days. More information on our candidate journey here

🔒 Your security matters to us

Recruitment scams are on the rise. Keep in mind, we will never work with third-party platforms or agencies that request payment from candidates.

If you receive a suspicious message claiming to be from Qonto, please report it right away (support@qonto.com)