Quantitative Risk Manager / Data Scientist (machine learning)
Qonto
Software Engineering, Data Science
Paris, France
Posted on Feb 10, 2026
Our mission? Creating the freedom for SMEs to succeed in business and beyond, by delivering Europe’s leading finance workspace. We combine business-class tools (seamless invoicing, spend management, and pre-accounting) with unwaveringly attentive 24/7 support, designed to help businesses breeze through all things finance.
Our journey: Founded by Alexandre and Steve in July 2017, Qonto has rapidly gained trust, serving over 600,000 customers. Thanks to our wonderful team of 1,600+ Qontoers, we also made it to the LinkedIn Top Companies French ranking!
Our values:
Customer focus | Prioritize customers in everything you do
Ownership | Own your part, get things done
Teamwork | Make (team)work easy
Mastery | Continuously raise the bar
Integrity | Always do what’s right, and respect people
Our beliefs: At Qonto, we're committed to fostering a welcoming environment where everyone can thrive. We prioritize evaluating applicants based solely on skills and potential, ensuring diversity with 55% international team members, 44% women, and 20% parents. Join us in building a workplace that celebrates diversity and individuality.
⭐ Mission
Join us as a Quantitative Risk Analyst and become the cornerstone of our model risk management strategy. You will join the Risk function, acting as the second line of defense to ensure our statistical models—from fraud detection to credit risk—are robust, compliant, and scalable as we operate under our Credit Institution license.
👩💻🧑💻 As a Quantitative Risk Analyst at Qonto, you will
• Act as the second line of defense: You will implement the model risk policy, inventory all models within Qonto, and assess their risk to ensure every model follows internal policy and regulation.
• Conduct independent reviews: You will perform independent audits of modeling studies led by other teams (Tech, Data) to ensure their robustness and compliance.
• Strengthen the AML/FT framework: You will improve transaction monitoring through statistical analysis to keep fraud risk low and actively detect new fraud patterns.
• Implement risk monitoring and reporting: You will help the Risk team build their monitoring capability by identifying data sources and ensuring all risk indicators are accurate and up-to-date.
• Engage stakeholders: You will align teams across the company on model governance and clearly communicate review outcomes to diverse audiences.
🤔 What you can expect
• Modern Methodologies: Work with state-of-the-art statistical techniques and modern modeling pipelines, moving away from the "old-school" approaches often found in traditional banking.
• High Impact: A unique opportunity to shape the model risk management framework from the ground up in a hyper-growth environment.
• Tech Stack: Utilization of a modern technical stack including Python and SQL, with the freedom to choose the best methodologies for the job.
• Dynamic Environment: A fast-paced setting where you will balance the thoroughness of rigorous risk analysis with the speed of execution required by our exponential client growth.
🤝 About your future manager
You will report to Gauthier, an expert in statistical modeling with a background in Data Science and Risk Management. Gauthier fosters a culture of technical excellence and autonomy, supporting you in using state-of-the-art techniques to build our risk framework from the ground up.
🏅 About You
• Experience: You have at least 3 years of experience as a Machine Learning Engineer, Statistician, or Data Scientist, with a specific background in Banking, Fintech, or Insurance (ideally in Fraud or Risk).
• Technical Mastery: You are proficient in Python (specifically libraries like Pandas and Scikit-learn) for financial modeling and have strong SQL skills for autonomous data extraction.
• Regulatory Knowledge: You have a solid understanding of regulatory frameworks (CI license), Model Risk Management, and the specific constraints of AML/FT.
• Communication: You excel at stakeholder management, capable of explaining complex model limitations and "pushing back" effectively with both technical teams and business partners.
• Builder Mindset: You are autonomous and proactive, capable of structuring governance frameworks and processes independently in a scaling organization.
🎁 Perks
A tailor-made and dynamic career track. An inclusive work environment. And so much more to help you succeed.
- Offices in Paris, Berlin, Milan, Barcelona, and Belgrade;
- Competitive salary package;
- Meal vouchers;
- Public transportation reimbursement (part or global);
- A great health insurance (depending on the country);
- Employee well-being initiatives: access to Moka Care to take care of your mental health and great offers for sports and wellness activities;
- A progressive disability and parenthood policy (1 in 6 of Qonto employees is a parent!) and childcare benefits with selected partners;
- Monthly team events.
💬 Our hiring process:
- Interviews with your Talent Acquisition Manager and future managers
- A remote or live exercise to demonstrate your skills and give you a taste of what working at Qonto could be like
On average, our process lasts 20 working days and offers usually follow within 48 hours 🤞
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