Credit Sales - French Market 🇫🇷

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. 

We've built a discrimination-free hiring process because we believe the best teams are built on merit.

AI at Qonto

We see AI as a catalyst for our success 👉🏻 "AI at Qonto - Vision Statement"

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.

----------------------------------

🔒 Your security matters to us

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

----------------------------------

⭐ Mission

Be the first at Qonto to focus entirely on credit sales! Your mission will be to drive the adoption of our credit portfolio among existing customers, directly fueling our growth under our upcoming banking license. In this pioneer role, you will work closely with Yannick, Team Lead Inbound Sales, to shape Qonto's credit go-to-market across France and Germany.

👩‍💻🧑‍💻 As a Credit Sales for the French Market at Qonto, you will:

• Reach out to existing micro and small business customers identified through lead-scoring triggers.
• Drive conversion and volume on our credit products: Pay Later, Overdraft, Deferred Debit Card, and AR Financing.
• Act as a financial partner: Deeply understand our clients' cash flow challenges (Working Capital Requirement / WCR, payment terms, cash flow management) to guide them toward the most appropriate credit facility.
• Translate customer feedback into structured insights for our Product and PMM teams to sharpen our credit roadmap.

🤔 What you can expect:

• A pioneer position: You'll be the first fully dedicated credit sales role, tied directly to our banking license rollout.
• A warm pipeline: You'll work exclusively with existing customers showing credit intent, routed via our GrowthOps lead system.
• Real cross-functional impact: Your insights will directly shape Qonto's credit strategy.
• Tailored variable comp: Based on conversion rate and volume, not standard MRR.

🏅 About You:

• Experience: You have 2+ years of experience in sales, ideally in account growth, expansion, or inbound sales.
• Strong Financial Acumen: You possess a solid understanding of SME corporate finance (P&L, WCR, Cash-Flow statements). Prior experience selling credit products, financing solutions (factoring, leasing), or working in B2B Fintech is highly recommended.
• Consultative Selling: You have the ability to challenge C-Levels or CFOs on their financial management, going beyond basic empathy to act as a trusted advisor.
• Communication & Empathy: You are a clear communicator who listens first, pitches second, and can turn customer conversations into actionable product insights.
• Languages: You have full professional proficiency in both French and English.

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.

Our hiring process

- Interviews with your Talent Acquisition Manager and future managers (1 hour each)

- 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 - more information here on our candidate journey.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analysing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please click here.