The mobile bank that redefines your finances
N26 is a leading mobile banking app headquartered in Mitte, Berlin, Germany, with over 1,001 employees. The company has raised $1.7 billion in funding through multiple rounds, including a Series D round, and aims to redefine banking in Europe by offering app-based checking accounts with minimal fees...
N26 offers competitive equity options, generous PTO policies, and flexible remote work arrangements. Employees also benefit from a learning budget and...
N26 fosters a tech-driven culture focused on innovation in the fintech space. The company emphasizes a customer-centric approach, leveraging advanced ...
N26 • Berlin
N26 is seeking a Credit Risk Senior Associate to enhance their Retail Mortgage team. You'll design and manage data analytics and process controls while ensuring regulatory compliance. This role requires expertise in SQL, Python, and R.
You have a strong background in credit risk management, particularly within the retail mortgage sector, with at least 5 years of experience in a similar role. Your methodological expertise in data analytics is complemented by your proficiency in tools such as SQL, Python, and R, enabling you to derive insights that drive effective risk management strategies. You possess a proactive curiosity about the broader aspects of the mortgage business, including macroeconomic factors that influence collateral value. Your understanding of regulatory frameworks, particularly those relevant to Dutch, EU, and German regulations, ensures that you can navigate compliance requirements effectively. You are a collaborative team player who thrives in a dynamic environment, eager to contribute to the growth and scaling of the credit risk function.
In this role, you will play a pivotal part in designing and implementing robust data analytics and second-line process controls for N26's mortgage portfolio. You will ensure that all processes align with stringent regulatory compliance requirements, including those set forth by the EBA GL LOM and other relevant regulations. Your responsibilities will include developing and enhancing the mortgage credit risk function, focusing on data-driven insights that support effective decision-making. You will contribute to the continuous improvement of N26's global mortgage governance framework, ensuring that policies and procedures are up-to-date and effective. Additionally, you will support the implementation of end-to-end mortgage credit processes, including loan granting and collateral management, while also developing proactive monitoring systems to identify potential issues early. Your role will involve close collaboration with various stakeholders to ensure that the credit risk function aligns with N26's growth aspirations and risk management objectives.
N26 is committed to fostering an inclusive workplace where diversity is valued. We offer a competitive salary and benefits package, along with opportunities for professional development and growth within the organization. You will be part of a forward-thinking team that is dedicated to transforming the retail mortgage landscape through innovative risk management practices. Join us in shaping the future of banking and making a meaningful impact in the financial services industry.
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