Our culture: The Qonto Way

Start with what's necessary, not with what's feasible. Default to optimism:

constraints force creativity, and "it's possible" is always the better starting point. Lock the ambition, lock the deadline, then work backwards.

The best signal is the one you go looking for — ask proactively, anticipate needs, close gaps early. But when complaints come in, treat them as an opportunity to become unbreakable: own it, walk in customers' shoes, close the loop.

Processes are tools, not shields.

Be street smart: proven solutions exist — use them. The goal isn't originality for its own sake, it's value creation.

Borrow wisely, then elevate relentlessly. What matters isn't how you started — it's the “wow” you delivered at the end.

Speed is our edge. Think sharp, ship fast, learn from reality, iterate quickly — then tell the world. Waiting for perfect means losing to good-enough-and-live. Progress compounds: shipping is the multiplier, and doing is the fastest way to learn.

Say what you do, do what you say.

Great teams communicate constantly, commit openly, and hold each other to high standards. Silence is the biggest trust killer. Update early, answer quickly, flag misses before it's too late, not after. Trust is earned by sending the email

you said you'd send, every time.

The trap: go soft on the issue to spare feelings, or hard on the person to vent frustration. Both kill performance. Be un‐

compromising on what's broken, but remain respectful — and don't stop until root causes are fixed.

Clients don't care who did what — they care that things work end to end. If we fail them, everyone fails. Use your critical mindset to improve, never to blame. And when we're in the locker room — be honest, on wins and failures alike. One front, one team. Win together, lose together.