About the Position

Lead Banking Operations - Debt Collection

Location

Paris, France

Employment Type

Full time

Location Type

Hybrid

Department

Operations & Customer Success

About the Role

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 4.7 on Trustpilot, based on 60,000 reviews. Our culture puts customer satisfaction at the core of what we do (more about our culture here*).*

Our Journey

Founded in 2016 and launched in 2017 by Alexandre and Steve, Qonto has grown to 1,700 Qontoers serving over 750,000 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.

Responsibilities

Map, then rebuild our collection flow: You’ll learn how debt collection works at Qonto today, then spot what’s missing and build it.
Own the debt collection rate: You’ll use data and AI tools to turn daily KPIs into initiatives that push the rate up.
Lead and grow your team: You’ll organize the team’s daily work and set up the rituals that help everyone improve.
Steer our external partners: You’ll set objectives for our recovery provider and BPO, and hold them to account on quality and results.
Shape new credit products early: You’ll join Risk and Product workshops so that collection is built into the new features coming with our banking license.

Requirements

Hands-on recovery experience: You’ve made debt collection calls yourself, and you’re at ease handling a tough conversation with a client.
Team leadership: You’ve managed a team working in debt collection, customer care or another phone-based activity.
Data fluency: You’re comfortable with numbers and use them to decide what to fix next.
Builder mindset: You enjoy starting from a blank page and bringing structure where things are unclear.
AI-curious: You already use AI tools in your work and want to explore how they can change debt collection.

We Offer

A real build: Debt collection is one of our priorities, and there’s still a lot to create.
Direct P&L impact: Every euro your team recovers protects Qonto’s finances, and millions are at stake each year.
A team that grows with you: You’ll start with a small team which will grow as the activity scales.

Your Future Manager

You will report to Justine, Head of Banking Operations Payments, who leads the team responsible for ensuring smooth and secure payment operations across all Qonto markets. Your manager brings extensive experience in banking operations and control frameworks, and is committed to building a robust, scalable control environment while developing team members' expertise.

Diversity

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.

Hiring Process Duration

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

Data Retention

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.

Lead Banking Operations - Debt Collection

Job description