Staff Product Manager [Cash Flow Management]

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. ------------------------------------------------------------------------------------------------------ Join us as a Staff Product Manager for Cash Flow Management to evolve one of Qonto's most adopted products into richer financial analytics that help SMB owners understand and act on their business health. You'll define what financial intelligence means inside Qonto, surfacing the right signals at the right moment in an AI-native way, reporting to Adil, our Head of Product for Financial Tools. ➡️ What you'll do Own Cash Flow Management end-to-end: Set the direction, build the roadmap, and deliver measurable customer and business impact on one of Qonto's most adopted products. Evolve a strong foundation into richer analytics: Turn a highly adopted product into financial reporting that genuinely helps customers understand their business health and act on it. Define what financial intelligence means for SMBs: Decide which signals matter most and where they should surface across the Qonto experience, not only inside a dedicated dashboard. Keep decisions moving in a complex environment: Align Product, Engineering, Design, Compliance, Risk, Payments, Financing, and go-to-market teams when priorities compete. Bring AI into financial tooling: Explore how AI can make cash flow features more proactive and trustworthy, then translate that into real customer value. ➡️ What we're looking for Strong product craft: You can run discovery, turn ambiguity into clear problem statements, and ship iteratively with high quality. Systems thinking: You understand interdependencies, anticipate second-order effects, and make smart trade-offs. Customer empathy: You grasp the realities of SMB owners and finance teams, and build for what they truly need, not only what they ask for. Design sensibility: You have a sharp instinct for when and where information should appear, and how to make complex topics feel simple. AI-native mindset: You're curious about how AI can make financial tooling more proactive and helpful, and you're ready to explore that hands-on with your squad. ➡️ What we can offer you A product with real momentum: Cash Flow Management already has strong adoption, so you're scaling something that works into something bigger, not starting from scratch. An open, meaningful product question: Moving from standalone tools to contextual financial intelligence embedded across the app is still unsolved, and you'll help define the answer. Stable squads, deep partnerships: Real collaboration with Engineering, Design, Compliance, Risk, and market teams baked into how the team works, not bolted on. AI at the frontier: You'll shape how AI makes financial tooling more proactive and trustworthy, with the space to experiment and ship. ➡️ Your future manager You'll report to Adil, Head of Product for Financial Tools at Qonto. Adil built Cash Flow Managemen