FP&A Lead - Business Finance Partner (x/f/m)

Qonto

Join us as Finance Business Partner – Germany & the Netherlands to own financial and business performance across two of Qonto's most strategically distinct markets. You'll drive the regular performance monitoring system, lead Budget planning, and act as the primary financial partner to our country leadership teams in Germany and the Netherlands — as Qonto makes its transition to full banking services. You'll work under the guidance of Nathalie Neff, supported by our Strategic Finance team in Paris. ➡️ What you'll do Act as the country CFO for Germany and the Netherlands: Own the full financial performance of both markets, including weekly pulse, monthly decks, variance analysis that's sharp enough to change a decision. You coordinate with local and central business partners to make sure nothing falls through the cracks between Paris and the field. Closely support Country Manager in both markets: You're not just reporting on performance. You're in the room helping shape it. For Germany, that means reinforcing its position as Qonto's #2 market. For the Netherlands, it means accelerating a high-potential market that's still writing its playbook. Two contexts, one trusted finance partner. Lead Budget and all forecast cycles from day one: Structure assumptions, challenge allocations, keep both country teams aligned. You own the full cycle. Use AI as your second brain, not just a productivity tool: Beyond automating the recurring, you'll build intelligent systems that help country leadership think faster and decide better. That includes anomaly detection before it becomes a problem, scenario modeling on demand, insights that don't wait for the monthly review. Finance as a real-time partner, not a lagging indicator. Shape Qonto's banking transition from the inside: As Qonto becomes a full bank, you'll help define what "good performance" looks like in this new era — new metrics, new regulatory dimensions, new ways of telling the financial story. The governance frameworks don't exist yet. You'll contribute writing them. ➡️ What we're looking for End-to-end FP&A ownership: You've run the full loop, from performance management to forecasting, modeling, and budget cycles ,with a market or business unit as your perimeter. Not just contributed to it, you own it. Fluency with senior stakeholders: You've worked alongside Country Manager or VP-level leaders, challenged their assumptions constructively, and kept trust intact even when the numbers weren't what they wanted to hear. Fintech, SaaS or banking background: You've built your FP&A skills in a fast-scaling, data-driven environment where finance sits close to business decisions. Banking profiles are equally welcome, as Qonto moves toward full credit institution status, that expertise is a genuine asset. Direct by default: You give clear, honest feedback — upward and sideways — and you don't soften it until it loses its point. AI already in your workflow and you're ready to go further: You use AI today to move faster and think sharper. You're ready to build on that: agents, autonomous reporting, real-time insights that make you a better business partner, not just a more efficient one. ➡️ What we can offer you Two markets, one role, rare strategic scope, and no two days that look the same: Germany, Qonto's #2 market, scaled, more mature, high-stakes. The Netherlands, our highest-potential emerging market, still accelerating, still being shaped. Managing both simultaneously means constantly adapting your approach, building frameworks in one market that compound into the other. Joining at the most consequential moment in Qonto's history: The company is becoming a full credit institution. You'll help build the financial governance supporting that shift. Real influence, not just reporting: Direct partnership with country leadership means you're in the room where decisions happen. Your analysis shapes what gets built and funded, and whats gets killed. Berlin-based, Paris-connected, AI-native by design: Embedded with the German market. Backed by Qonto's Strategic Finance team in Paris. Working in a culture where AI isn't a feature, it's infrastructure. You'll be expected to push it further. ➡️ Your future manager You'll report to Nathalie, our Strategic Finance Director. Nathalie started her career at a Big 4 firm before moving into corporate FP&A roles across Business Partnering and Revenue at companies like Criteo, Ubisoft, Solocal, and Activision-Blizzard. She joined Qonto to lead a talented Strategic Finance team of five — and she’ll support you in developing your scope, give you the keys to master your topics, and back your continuous growth.

STARK

ABOUT US STARK is a new kind of defence technology company revolutionizing the way autonomous systems are deployed across multiple domains. We design, develop and manufacture high-performance unmanned systems that are software-defined, mass-scalable, and cost-effective. This provides our operators with a decisive edge in highly contested environments. We’re focused on delivering deployable, high-performance systems - not future promises. In a time of rising threats, STARK is bolstering the technological edge of NATO Allies and their Partners to deter aggression and defend Europe - today. ABOUT THE TEAM Your team is the Finance department and you will be working closely with many stakeholders. You will be reporting to the Team Lead Finance. YOUR MISSION Join one of Europe's fastest-growing defense startups and get a front-row seat for our financial operations. You will operate at the intersection of finance and strategy, supporting the Finance team in driving sustainable growth in a fast-moving, complex environment. We are looking for a highly adaptable individual who thrives in ambiguity and is genuinely excited by the "chaos" of setting up critical financial infrastructure from scratch.  RESPONSIBILITIES * Financial Planning & Analysis: Own the budgeting, forecasting and reforecasting cycles end to end. Build and maintain financial models, and assist in the budgeting, forecasting, and variance analysis cycles, helping to identify risks and opportunities * Financial Reporting: Own the monthly close in close partnership with the accounting team, and deliver accurate, decision-ready management reporting, KPI dashboards and board-level materials * Business Partnering: Act as the finance partner to department and functional leads, supporting headcount, spend and investment decisions with robust analysis * Cost, Margin & Working Capital: Develop and own cost accounting and unit economics across product lines. Monitor gross margin, inventory and working capital, and partner with operations and procurement on supplier terms, cost-control initiatives and cash efficiency * Process Setup & Operations: Help build and maintain financial processes from the ground up, including data management within financial systems * Strategic & Special Projects: Drive high-impact projects such as fundraising and investor support, scenario and contract modelling, pricing, and M&A evaluation and integration. Collaborate with regional and group Finance teams on cross-entity initiatives and help translate strategy into financial plans * Stakeholders, Vendors & Team: Manage relationships with external accountants, auditors and service providers, and coordinate audits and statutory requirements. As the function grows, help shape, mentor and raise the bar for a small finance team, leading by example with high standards and low ego. QUALIFICATIONS * A completed bachelor’s degree in accounting, business administration or a related field * 4–5 years of professional experience ideally combining a foundation in audit, advisory, consulting or investment banking with hands-on FP&A or controlling in a fast-scaling company * Demonstrated ownership of full FP&A cycles (budgeting, forecasting, variance analysis) and of month-end reporting, ideally including some experience in a product- or manufacturing-based business * A hardworking and flexible mindset; you are comfortable working under tight deadlines, navigating ambiguity, and building processes from scratch * Excellent English communication skills; professional fluency in German is a plus * Solid understanding of financial statements and financial modelling (strong Excel skills are essential) * Collaborative, service-oriented approach to teamwork i.e., high standards, low ego * High priority on responsibility, absolute confidentiality, a very structured way of working, as well as dedication and reliability Your contact: Sally Grütte-Pad, Interim Lead TA Partner via talent@stark-defence.com

Sumup

TAX PROCESS AND OPERATIONS LEAD   ABOUT THE TEAM SumUp's Tax function sits at the heart of a business that has recently moved into a tax-payable position across more than 35 entities, menaing cash tax is now a material line item that the CFO, finance leadership, and investors need to forecast, manage, and explain with precision. The Tax team is responsible for corporate income tax and transfer pricing compliance across the group, and is now building the infrastructure to match the scale and scrutiny that comes with that responsibility. This is a build role. As Tax Process and Operations Lead, you'll own the design and implementation of SumUp's tax accounting and financial reporting framework from the ground up, creating the methodology, models, controls, and tooling that underpin how tax positions flow into financial statements, management reporting, and cash forecasting. You’ll lead the end-to-end design of how tax technical positions are translated into financial reporting, management reporting, and cash forecasting outputs — partnering closely with Tax, Accounting, Controlling, FP&A, and Treasury to define the processes, controls, data flows, and automation requirements that make this scalable across the group. If you're energised by building something that genuinely matters, and doing it in a live, deadline-driven environment — this role is for you. WHAT YOU'LL DO * Design and implement the end-to-end framework for tax accounting and financial reporting, including ETR calculation, tax provision methodology, cash tax forecasting, and Pillar 2 / GloBE entity-level calculations * Act as the primary bridge between the Tax team's technical positions and the wider finance organisation, ensuring methodology is clearly documented, understood, and consistently applied * Work closely with Tax Technology and SAP specialists to build structured, automated data pipelines that replace manual processes, using tools such as SAC, Alteryx, and AI-supported workflows * Support the controlling team in reviewing tax notes in financial statements, uncertain tax position memos, and tax provisions, ensuring outputs are accurate, auditable, and delivered on time * Establish and maintain model governance: version control, change logs, audit trails, and a 4-eyes review process that meets pre-IPO and statutory audit standards YOU'LL BE GREAT FOR THIS ROLE IF… * Demonstrated hands-on experience producing tax provisions under IAS 12 across multiple entities in a multinational environment, with strong working knowledge of deferred tax accounting, ETR calculation, and uncertain tax position measurement * Strong accounting background with the ability to read, challenge, and reconcile financial statements at entity level, combined with experience in transfer pricing operational execution * Working knowledge of Pillar 2 / GloBE sufficient to implement entity-level calculations against a Tax-provided methodology * Experience building and governing financial models in a planning tool (such as SAC or similar), with advanced Excel skills including Power Query and Data Tables * Comfort working across functional boundaries — able to translate complex calculation outputs clearly for non-technical audiences including CFO, FP&A, and auditors * Strong ERP experience, preferably SAP, and fluency in written and spoken English WHY YOU SHOULD JOIN SUMUP * 🌎 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Berlin office. This involves an office-first setup * 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced * 🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success * 📚 A dedicated annual L&D budget of €2000 for your individual development, which can be used to attend conferences and/or advance your career through further education * 💶 A corporate pension scheme where we match up to 20% of your contributions * 🏖 Generous time off: enjoy 28 days of paid leave plus public holidays and special leave days * 🏋️ Numerous other benefits such as Urban Sports Club subsidy, Kita placement assistance, subsidised office lunches * 🌴 Break4me: 1-month sabbatical after 3 years of service * 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team ABOUT SUMUP Be empowered to do more that matters. At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 37 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships. Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify. SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok. Job Application Tip We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.