Logo de Margo Bank

Join us to create a simple and painless banking experience for small and medium businesses.

See open roles

ALM/Treasury Manager

Paris, France


About the role

We are looking for a specialist in asset liability and treasury management to join our finance division.

About the position


You will be in charge of everything related to asset liability management. You will also be the treasury manager. In short, you will be the bank’s point of reference for any topic that touches on the management and evolution of our balance sheet.


Generally speaking, you will:

  • Define and implement our funding, investment and hedging strategies.
  • Identify and monitor the indicators relevant to maintaining a balanced balance sheet: regulatory indicators, liquidity gridlocks, stress tests, etc.
  • Monitor financial risks (liquidity and rates) related to our business activity and sound the alarm if necessary.
  • Manage our cash flow on a daily basis, anticipate its short-term fluctuations and optimize its long-term growth.
  • Be an integral part of the preparation of our regulatory reports.
  • Plan and run our ALM committee meetings.
  • Keep tabs on regulatory changes, especially those affecting liquidity and rates.
  • Lend your expertise to develop models used to calculate the rates we offer.

About you


We are looking for an experienced person who fully understands the intricacies of asset liability management, but is still able to discuss it in simple terms. You will be communicating with many people, both inside and outside the company, and not everyone will have a banking background: developers, designers, etc. You will be expected to help your colleagues grasp the basic tenets of ALM. In return, they will broaden your horizons when it comes to technology.

We value people who always have our customers in mind even when their job does not involve interacting with them on a daily basis. Our finance division does not work in a silo; it is there to help our bank provide better service to our clients (mainly SMEs). To achieve this, we will look to you to protect our bank and our clients from balance sheet risks, e.g. by ensuring that deposits are put to good use and by closely monitoring regulatory developments (so that we remain in compliance).

We are optimists. We see solutions behind every obstacle. If you're overwhelmed by procedures in your current job, if you feel that regulatory streamlining has taken precedence over a sense of service, if you think there is a better way forward, then you can expect to find like-minded people at Margo Bank who are willing to listen and want to help. You will be able to share your opinion and hear those of others. You will have considerable influence when it comes to our banking doctrine. You will be responsible for the management of our treasury and related internal processes. By joining the project now, you can have your say on a wide range of topics before things become ingrained by virtue of time and habit.

We often communicate in writing (in French and English) and almost always quite openly. This allows employees to stay informed on all the work in progress - without being forced to do so. What we write ranges from documentation (Confluence), to instant messages (Slack), to reports (recurring or one-off) requested by the regulatory authorities. While we do, of course, actually talk to one another in our offices on a daily basis, we always keep a written record of our major decisions for ease of reference.

We hire curious, daring, humble people and then give them a lot of freedom to learn and create. We're much more interested in what you've been doing since you graduated than in your degree. In our experience, evidence of properly-thought-out and well-executed projects tell us more than a piece of paper from even the most prestigious institutions.


Ideally, you have:

  • At least five years’ experience in ALM and treasury management in the banking sector.
  • Significant experience in ALM modeling, interbank relations, and funding strategies.
  • Mastery of ALM regulatory ratios and other relevant financial indicators.
  • An understanding of programming (VBA at the very least).
  • Experience with one or more ALM tools (Fermat or RiskPro).
  • Strong written and spoken English. All internal documentation is in English and you will be adding to it.
  • Excellent written and spoken French.

How to apply

The initial application

If you’d like to join us, simply send us your CV (or your LinkedIn) and a message (in French or English) explaining why you are applying. We don’t expect a formal cover letter, but we do want to know what you think you can bring to the team and what you expect from us. Don’t be afraid to let a bit of your personality shine through; your future colleagues will be reading.

You don’t get any bonus points for length, and you won’t be penalized for brevity. Leave out the parts that we might be tempted to skip over and focus on what’s truly important to you.

We know that we are asking a lot. You likely already have a job and/or other occupations. If you are willing to take time out of your busy day to write to us, we genuinely appreciate it. The ball is in your court. We hope to hear from you.

The interview process

Here’s what you can expect if your initial application is successful:

  1. A phone interview with our recruitment team (30 minutes);
  2. A technical exercise to be completed offsite at your convenience and returned to us via email (expect to spend about 2 hours);
  3. A series of in-person interviews at our offices with members of several different teams (4 hours).

We offer a great compensation package to all our employees including:

  • A competitive salary;

  • A supplemental health coverage plan (Alan), 80% of which is paid for by the company;

  • 80% reimbursement of monthly public transport pass (or a cycling bonus);

  • Luncheon vouchers.

You’re interested? Tell us about your projects, your experience, and what you would like to bring to the team.


About us

We have a simple, yet ambitious goal: to provide SMBs with the financial products and services they deserve by building a brand-new bank from the ground up.
Learn more about our vision

Hear from the group

  • Working & learning

    4 videos
    Cécile AndrieuTalent Manager
    Xavier Van De WoestyneData Engineer
    Jérémie MartinezSoftware Engineer
    Julien BletonProduct Manager
  • Structure & process

    2 videos
    Christophe JunietCTO
    Jérémie MartinezSoftware Engineer
  • Environment & flexibility

    1 video
    Xavier Van De WoestyneData Engineer