Director of Credit Risk Management

Who you are

You have extensive experience in credit risk management, ideally in a banking or financial services environment. Your background includes developing and implementing credit risk strategies that align with business growth and regulatory expectations. You are comfortable interfacing with regulators and have a proven track record of managing credit risk across various asset classes. You possess strong leadership skills and can transform teams into proactive, business-enabling functions that drive clarity and high-quality decision-making.

You understand the importance of regulatory compliance and have experience strengthening regulatory posture through scalable frameworks and consistent execution. You are a strategic thinker who can define and execute a credit risk strategy that supports the bank's growth objectives. You are also committed to fostering an inclusive workspace where diverse perspectives are valued and respected.

Desirable

Experience in a senior leadership role within credit risk management is highly desirable. Familiarity with digital banking and innovative financial services will be an advantage. You should also have a strong network within the regulatory community and a deep understanding of the evolving landscape of credit risk.

What you'll do

As the Director of Credit Risk Management at N26, you will be responsible for setting the strategic vision and operating model for the bank's credit risk function. You will lead the Credit Risk team, ensuring that it operates effectively and aligns with the bank's overall objectives. Your role will involve acting as the primary interface to regulators and supervisors, providing insights and guidance on all material credit risk matters.

You will define the bank's risk appetite and ensure that it is communicated effectively across the organization. Your responsibilities will include developing frameworks for assessing and managing credit risk across retail and wholesale portfolios. You will work closely with the Executive Leadership Team to provide strategic advice on credit risk issues and drive high-quality decision-making.

In this role, you will also focus on transforming the Credit Risk team into a proactive function that supports business growth while maintaining a strong regulatory posture. You will lead initiatives to strengthen relationships with regulators and enhance the bank's compliance framework. Your impact will be felt across the organization as you drive clarity and speed in credit risk decision-making.

What we offer

N26 offers a dynamic work environment where innovation is at the forefront of our operations. You will have the opportunity to shape the future of credit risk management in a leading digital bank. We are committed to creating an inclusive workspace where everyone feels valued and respected. You will be part of a team that is dedicated to transforming banking and providing exceptional digital experiences for our customers. We encourage you to apply even if your experience doesn't match every requirement, as we value diverse perspectives and backgrounds.