N26 AG is Europe’s leading digital bank with a full German banking licence. Built on the latest technology, N26’s mobile banking experience makes managing money easier, more secure and customer friendly. To date, it has welcomed more than 8 million customers in 24 markets, and processes over 100bn EUR in transactions a year. N26 is headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities. Founded by Valentin Stalf and Maximilian Tayenthal in 2013, N26 has raised close to US$ 1.8 billion from some of the world’s most renowned investors.

<h1>About the opportunity</h1>
We are seeking an experienced Lead Technical Product Manager for our Machine Learning Platform within the Intelligent Operations Platforms segment. In this role, you will define the long term vision, platform architecture, and execution strategy for core Machine Learning infrastructure across N26. Your work will enable squads across the bank to automate risk assessments, prevent financial crime, and scale operational efficiency.
Our ML Platforms team serves as the central nervous system for real-time, data-driven decisioning. We build and scale horizontal ML capabilities that allow critical functions including Financial Crime, Credit Risk, and Core Operations to execute with absolute precision at scale. As a Lead Product Manager, you will drive multi-squad strategy, transforming complex predictive models into resilient, compliant, sub-second scoring systems.
<h3>In this role, you will</h3>
<ul>
<li>Drive the Core ML Platform Vision: Define and execute the multi-year roadmap for the central Machine Learning platform, ensuring alignment with broader engineering architecture and executive business goals.</li>
<li>Lead High-Volume ML Portfolios: Oversee complex predictive ML capabilities supporting high-throughput banking systems, focusing on real-time transaction monitoring, automated credit risk scoring, and operational workflow decisioning.</li>
<li>Scale Enterprise MLOps Infrastructure: Own the platform tooling and standards across the full ML lifecycle. Drive strategic decisions around feature stores, real-time feature extraction pipelines, model registries, automated retraining triggers, and CI/CD for ML.</li>
<li>Establish Model Evaluation and Governance: Define robust offline and online model evaluation frameworks, shadow deployment mechanics such as champion and challenger testing, and real-time monitoring for model drift, inference latency, and data quality degradation.</li>
<li>Bridge Technical Leadership and Compliance: Partner closely with Principal Data Scientists, ML Engineers, Security, and Legal stakeholders to ensure models meet strict European banking governance, explainability, and auditability standards.</li>
<li>Elevate and Mentor the PM Function: Serve as a functional leader within the product organization. Establish best practices, PRD standards, and self-service ML integration blueprints while mentoring Product Managers in the team.</li>
</ul>
<h3>What you need to be successful</h3>
<h4>Background &amp; Experience</h4>
<ul>
<li>7+ years of Product Management experience in a technology-driven environment, with at least 4 years deeply focused on building, scaling, and managing core Machine Learning platform capabilities or data infrastructure.</li>
<li>High-Volume B2C Scale: Proven track record of shipping ML products within high concurrency and low latency environments such as FinTech, payment processors, or high-scale consumer tech platforms.</li>
<li>Strategic &amp; Portfolio Leadership: Demonstrated experience leading multi-squad initiatives, shaping platform strategy across cross-functional engineering triads, and presenting to C-level executives and regulatory bodies.</li>
</ul>
<h4>Technical &amp; Domain Skills</h4>
<ul>
<li>Deep ML and MLOps Literacy: Hands-on understanding of predictive ML methodologies including classification, regression, clustering, anomaly detection, and ranking. This must be paired with architectural mastery of modern MLOps pipelines such as Kafka event streams, feature stores, vector databases, and automated retraining.</li>
<li>Analytical and Evaluation Rigor: Highly proficient in defining model performance metrics like precision, recall, ROC-AUC, and F1-score, with a clear ability to translate them into business ROI such as reduced false-positive fraud blocks or manual review cost savings.</li>
<li>Latency and System Trade-Offs: Strong ability to evaluate technical trade-offs between real-time inference and batch scoring, feature compute complexity and latency SLAs, and model accuracy versus explainability.</li>
<li>Financial Governance and Compliance: Deep understanding of regulatory constraints around automated financial decisioning, model transparency, data privacy under GDPR, and audit trails in regulated environments.</li>
</ul>
<h4>Traits</h4>
<ul>
<li>Platform Visionary: Ability to abstract domain-specific requirements into reusable horizontal ML services consumed by multiple engineering squads.</li>
<li>Decisive Technical Leader: Comfortable navigating ambiguity, making high-stakes technical trade-off decisions, and prioritizing foundational infrastructure investments alongside feature delivery.</li>
<li>Uncompromising Quality Standard: High bar for system resilience, monitoring, and fail-safe mechanisms, recognizing that core banking engines demand 99.99% reliability.</li>
</ul>
<h3>What’s in it for you</h3>
<ul>
<li>Accelerate your career growth by leading core infrastructure at one of Europe’s premier digital banks.</li>
<li>Employee benefits including a competitive personal development budget, work from home budget, fitness &amp; wellness discounts, and public transportation subsidies.</li>
<li>A Premium N26 bank account subscription for you, plus subscriptions for friends and family.</li>
<li>An additional day of annual leave for each year of service.</li>
<li>High autonomy to drive the ML technical agenda, working with a diverse, international team of peers.</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h3>Who we are</h3>
N26 has reimagined banking for today’s digital world. Technology and design empower <a href="https://n26.com/en-eu/blog">everything we do</a> and it’s how we are building the global banking platform the world loves to use.
We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.
We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500 strong team of more than 80 nationalities.
Sounds good? Apply now for this position.
<h3>Equal Opportunities</h3>
We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.
We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to candidate.exp@n26.com.
Visit our website to learn more about Diversity, Equity, &amp; Inclusion at N26.

Lead Technical Product Manager — Machine Learning Platform

<h2>About the opportunity</h2>
We’re seeking an Associate Product Manager to join our Investments Team to help shape and elevate our core Investments offerings. Our Investments team is dedicated to empowering retail investors by building accessible, transparent, and&nbsp;innovative wealth-building products.
As an Associate Product Manager in this team, you’ll learn the intricacies of the Product Manager role, ramping up and&nbsp;learning how others do it, while being hands on and contributing to the actual work. You'll collaborate cross-functionally&nbsp;with engineering, design, business, data, compliance, and external stakeholders to build incrementally challenging&nbsp;features and products. Above all, you'll bring a passion for personal finance to the team, using your drive to help people&nbsp;build a better relationship with their money and achieve their goals.
To excel in this role, we seek people who are passionate about solving problems, and who enjoy talking and thinking about future financial stability. Those who have the empathy to put themselves in the customers’ shoes and can articulate correctly the problem they are solving for, we are looking for you.
<h2>In this role, you will:</h2>
<ul>
<li>Co-own a team’s Roadmap: You will co-define with other Product Managers, and execute incrementally challenging parts of the product strategy. You’ll work together in order to ensure there’s alignment with N26's broader wealth-building goals and adapting swiftly to shifting market dynamics.&nbsp;</li>
<li>Drive the Execution: gradually, in order to ramp up into the role, you’ll drive the product development lifecycle for new and existing Investments features—from initial user research and technical scoping to engineering delivery, go-to- market strategy, and post-launch iteration.&nbsp;</li>
<li>Navigate Complex Ecosystems: Act as the central node between engineering, design, compliance, and legal teams to safely and swiftly bring scalable products to market while adhering to strict regulatory requirements.&nbsp;</li>
<li>Build Stakeholder relationships: Working closely with other teams is a fundamental aspect of the success you can have as a product manager. Building relationships with other team players early on is critical.&nbsp;</li>
<li>Data-Driven Decisions: Dive deep into user behavior, market trends, and competitive analysis to uncover new opportunities, optimize the customer journey, and continuously refine our portfolio.</li>
</ul>
<h2>What you need to be successful:</h2>
Background:&nbsp;
<ul>
<li>2+ years of experience working in a product team, or 3+ years of experience in customer-facing teams which work closely to the product team. Preferred Fintech&nbsp;experience.&nbsp;</li>
<li>Deep empathy for the user. You care deeply about UX and know how to translate complex financial concepts into simple, intuitive, and engaging customer journeys.&nbsp;</li>
<li>Experience working cross-functionally with engineering, compliance, legal, marketing, and finance teams, as well as managing external B2B relationships.&nbsp;</li>
<li>Strong ability to interpret investment data, market trends, and user insights to optimize adoption, retention, and product growth.</li>
</ul>
Skills:&nbsp;
<ul>
<li>Strategic Thinker: Able to craft a long-term product vision while executing effectively in the short term.&nbsp;</li>
<li>Execution-Focused: Strong ability to ship products, drive operational excellence, and navigate complex financial ecosystems.&nbsp;</li>
<li>Biased for action: Move forward and make quick decisions.</li>
<li>Analytical &amp; Data-Driven: Strong ability to interpret investment data, market trends, and user insights to inform product decisions.&nbsp;</li>
<li>Autonomy &amp; Ownership: Thrives in an entrepreneurial, fast-moving environment with a high level of independence and responsibility.&nbsp;</li>
<li>Stakeholder Management: Experience working cross-functionally with engineering, compliance, legal, marketing, and finance teams.&nbsp;</li>
<li>Communication &amp; Leadership: Ability to articulate product decisions, drive alignment, and influence at all levels of the organization.</li>
</ul>
<h2>What’s in it for you:</h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2>Who we are</h2>
N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.
We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp;
We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.&nbsp;
Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!
Equal opportunities for all
At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.
We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!
Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a>

Associate Product Manager - Investments

About the opportunity
We are seeking a Senior Reliability Engineer to join the Platform Engineering Domain in the Scalability Team.
The mission of Platform Engineering is to provide trusted, performant, self-service platforms that empower product teams to build “the bank the world loves to use.” Scalability’s part of this mission is to develop solutions for container orchestration.
As one of the first banks completely hosted in the cloud - our security, resilience and productivity standards require not only the use of a modern technology stack, but the building of teams in line with our principles and in the service of our product teams, the company and our customers.
In this role, you will:
<ul>
<li>Design, develop, implement and own products and solutions to improve the security, reliability, and scalability of N26 cloud infrastructure and systems in the workload orchestration domain</li>
<li>Work with Product, customers and stakeholders to understand their needs and build the right products and solutions</li>
<li>Take an active part in the strategy and roadmap definition and prioritisation</li>
<li>Mentor and support other team members and also learn from them</li>
<li>Expand and develop your cloud knowledge, skills, and technology expertise</li>
</ul>
What you need to be successful:
Background and skills:
<ul>
<li>Hands-on, production expertise in the design, implementation and maintenance of Kubernetes Clusters</li>
<li>Extensive knowledge and hands-on experience in AWS Cloud infrastructure and Services</li>
<li>Solid experience in Go</li>
<li>Previous experience with Linux, Terraform and CD solutions (Argo or similars)</li>
<li>Networking experience with Mesh solutions (Istio or similars)</li>
<li>Monitoring, troubleshooting and incident management experience</li>
</ul>
Nice to have:
<ul>
<li>
Relevant Backend development experience
</li>
</ul>
Traits:
<ul>
<li>Good communication skills and a sense of ownership, with a systematic problem-solving approach</li>
<li>Proactiveness, collaboration and eagerness to learn</li>
</ul>
<h2>What’s in it for you:</h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence.</li>
<li>As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and backgrounds.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2>Who we are</h2>
N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog" target="_blank"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.
We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp;
We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.
Sounds good? Apply now for this position.
Equal Opportunities:
We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.
We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to <a href="mailto:candidate.exp@n26.com" target="_blank">candidate.exp@n26.com</a>.&nbsp;
Visit our&nbsp;<a href="https://n26.com/en-eu/diversity-and-inclusion" target="_blank">website</a> to learn more about Diversity, Equity, &amp; Inclusion at N26.

Senior Site Reliability Engineer - Infrastructure

<h2>About the opportunity</h2>
We are looking for a dynamic Lead to join our AFC Operations Department to ensure compliance with applicable regulations and relevant company policies related to Anti-Financial Crime. Our target in AFC is to lead and shape the industry by creating a culture of compliance within N26 that authorities, customers and stakeholders can trust. This role is crucial to achieve this goal.
<h2>In this role, you will:</h2>
As AFC Operations Team Lead, you will support all Anti-Financial Crime tasks including AML, terrorism financing, sanctions, KYC, and fraud. You’ll detect Money Laundering typologies and Financial Crime patterns, while handling external and internal requests to detect potential financial crime.&nbsp;
Your responsibilities will include:&nbsp;
<ul>
<li>
Leading and managing a team of analysts and investigators.
</li>
<li>
Ensuring timely and accurate investigation of suspicious activities and reporting.
</li>
<li>
Overseeing daily operations to ensure compliance with regulatory standards.
</li>
<li>
Monitoring and reporting on the effectiveness of AFC controls.
</li>
<li>
Coordinating with other departments to implement and enforce/improve AFC policies.
</li>
<li>
Developing and implementing process improvements to enhance operational efficiency.
</li>
<li>
Support responding to audits and regulatory inquiries as needed
</li>
<li>
Fostering a culture of continuous learning and professional development within the team.
</li>
<li>
Promoting teamwork and collaboration to achieve shared objectives.
</li>
</ul>
&nbsp;
<h2>What you need to be successful:</h2>
Background:&nbsp;&nbsp;
<ul>
<li>
Several years with relevant banking experience in Anti Financial Crime
</li>
<li>
Strong leadership and team management skills
</li>
<li>
Experience on Spanish AML/CTF regulation and handling reporting to SEPBLAC
</li>
<li>
Bachelor’s degree (ideally in law, business or finance) preferred, but not essential
</li>
<li>
Knowledge use of MS Office (G suits) skills for Excel and Word
</li>
<li>
In-depth understanding of Anti-Financial Crime regulations and compliance standards
</li>
<li>
You are fluent in English and Spanish spoken and written (native speaker will be a plus)
</li>
<li>
Deliver with quality and keep confidentiality
</li>
<li>
Maintain an analytical mindset, willingness of thinking out of the box and appetite for learning
</li>
</ul>
Skills:&nbsp;
<ul>
<li>
You are detail oriented, diligent and reliable.
</li>
<li>
You have a hands-on mentality and take on ownership.
</li>
<li>
You should enjoy a fast paced working environment, show high willingness to learn and work autonomously to grasp new topics.
</li>
<li>
You should have ability to coach, mentor, and develop team members
</li>
<li>
Strategic thinking with a focus on process improvement
</li>
<li>
Ability to manage multiple priorities and meet deadlines
</li>
</ul>
Traits:
<ul>
<li>
Actively help yourself (and others) be successful.
</li>
<li>
Continuously learn and challenge the status quo.
</li>
<li>
Think globally, act locally.
</li>
<li>
Strong bias for action.
</li>
<li>
Give and receive open, direct and timely feedback.
</li>
<li>
Respect and follow internal escalation rules
</li>
</ul>
&nbsp;What’s in it for you:
<ul class="pl-nemo24">
<li class="mb-nemo8 list-disc">Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li class="mb-nemo8 list-disc">Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li class="mb-nemo8 list-disc">As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li class="mb-nemo8 list-disc">Vacation days vary depending on your location of work. Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li class="mb-nemo8 list-disc">A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.&nbsp;</li>
<li class="mb-nemo8 list-disc">A relocation package with visa support for those who need it.</li>
</ul>
&nbsp;Who we are N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use. We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp; Founded in 2013, N26 now has 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Besides the main offices, N26 also has local offices in Paris, Madrid, Milan, and São Paolo. Sound good? Apply now for this position. &nbsp;N26 is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status or disability status.

AFCO Team Lead

<h2>About the opportunity</h2>
As our new Treasury Trader&nbsp;you will autonomously drive core liquidity and cash management and short term investments (with a primary focus on public sector financing). Operating with high autonomy, you will manage the short term Treasury book, central bank operations, assess bank’s liquidity position and monitor key KPIs. Acting as a crucial bridge across Group Risk, Accounting, and Regulatory Reporting, you will also as 1 LoD maintain audit readiness.
You will also enjoy our hybrid work model - flexibility of working both from home, and from our office in Berlin or Barcelona.
<h2>In this role, you will:</h2>
<ul>
<li>Trade Execution &amp; Portfolio Management: Evaluate potential investment opportunities, then price (Bloomberg experience required), execute, and log transactions across Front Office tools, focusing primarily on public sector financing and short maturities. Proactively manage money market products and the short-term book, including Repo and Reverse Repo portfolios.</li>
<li>Liquidity &amp; Reserve Management: Oversee key liquidity functions, including Bundesbank cash pooling, Eurosystem minimum reserve requirements, overnight deposits, credit lines, and short-term portfolio hedging.</li>
<li>Payment Systems &amp; Central Bank Operations: Serve as the primary deputy for key payment and settlement infrastructure (Target, ESMIG, MACCS) and oversee central bank account management.</li>
<li>Audit, Compliance &amp; Governance: Support internal and external audits, enforce compliance with key banking regulations, and drive First Line of Defense (1LoD) risk management.</li>
<li>Product &amp; Tech Initiatives: Lead New Product Process (NPP) implementations, vendor onboarding, core banking system enhancements, and automated reporting solutions using SQL.</li>
</ul>
&nbsp;
<h2>What you need to be successful:</h2>
<ul>
<li>Experience: Strong background in bank treasury operations, liquidity management, and money markets, with a preference for hands-on Repo/Reverse Repo and hedging experience.</li>
<li>Technical &amp; System Expertise: Solid familiarity with Treasury Front Office tools (Bloomberg experience required), payment and settlement systems (Target, ESMIG, MACCS), and data querying skills (SQL).</li>
<li>Regulatory Knowledge: Deep understanding of financial markets combined with a sound grasp of Eurosystem frameworks, reserve requirements, and key European banking regulations (including MaRisk, CRR III, and KWG).</li>
<li>Ownership: Proven ability to drive cross-functional projects, step in as a trusted deputy across core functions, and operate autonomously in a fast-paced environment.</li>
</ul>
&nbsp;
<h2>What’s in it for you:</h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2>Who we are</h2>
N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.
We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp;
We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.&nbsp;
Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!
Equal opportunities for all
At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.
We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!
Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a>

Treasury Trader

<h2>About the opportunity</h2>
As Senior Associate, Corporate Finance, you will own and execute the Funds Transfer Pricing (FTP) framework, while also driving the treasury planning. Reporting directly to the Head of Corporate Finance within the Treasury team, you will play a vital role in risk transfer, assessing profitability, allocating capital, and defining incentives for business units by assigning net interest income.
What You'll Do
<ul>
<li>FTP Ownership: Maintain and evolve the internal FTP regime to centralize liquidity and interest rate risks, pricing risk accurately to steer balance sheet profitability.</li>
<li>Treasury Controlling &amp; Reporting: Own day-to-day data consolidation, PnL monitoring, and tracking of core Treasury KPIs.</li>
<li>Planning &amp; Forecasting: Partner with Treasury and Finance to drive the multi-year budget and strategic planning process.</li>
<li>Audit &amp; Regulatory Readiness: Lead the documentation of technical assumptions and balance sheet models for internal/external audits.</li>
<li>Data &amp; Automation: Upgrade reporting pipelines using SQL to eliminate data bottlenecks and scale infrastructure.</li>
<li>Cross-Functional Execution: Collaborate closely with ALM, Short-Term Desk (STIRM), Risk, and Finance to ensure regulatory compliance and strategic alignment.</li>
</ul>
What You Bring
<ul>
<li>Experience: 3+ years in Bank Treasury, Financial Services, or Top-Tier Consulting.</li>
<li>Domain Knowledge: Deep understanding of bank balance sheet management, deposit modeling, capital planning, and European regulatory frameworks (CRR, CRD IV/V, KWG).</li>
<li>Technical Skills: Advanced Excel proficiency; strong SQL skills are a major plus.</li>
<li>Education: Degree in Finance, Economics, Business Administration, or a quantitative field.</li>
</ul>
<h2>What you need to be successful:</h2>
<ul>
<li>Professional Experience: 3+ years of professional experience within a Top Tier consulting firm, financial services firm, or digital bank.&nbsp;&nbsp;</li>
<li>Treasury Foundations: Clear theoretical understanding and practical experience within bank treasury structures.&nbsp;&nbsp;</li>
<li>Modeling Frameworks: Strong interest or exposure to structural financial concepts such as funds transfer pricing mechanisms, capital planning and deposit modeling.&nbsp;&nbsp;</li>
<li>Technical Toolkit: Demonstrated capability handling spreadsheet applications (Excel); advanced data querying skills (SQL) are highly valued.</li>
<li>Academic Background: Bachelor’s or Master’s degree in Business Administration, Finance, Quantitative Economics, or an equivalent technical qualification.&nbsp;</li>
<li>Regulatory Awareness: Solid operational understanding of the European regulatory landscape, including banking guidelines and frameworks relevant to capital, leverage, and interest rate (e.g., CRR, CRD IV, KWG frameworks).&nbsp;</li>
</ul>
<h2>What’s in it for you:</h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2>Who we are</h2>
N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.
We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp;
We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.&nbsp;
Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!
Equal opportunities for all
At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.
We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!
Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a>

Senior Associate Corporate Finance

<h2>About the opportunity</h2>We are looking for a ICT Risk Assessment Manager to join the Information Risk Management (IRM) Segment and work at the heart of ICT Compliance at N26. We’re setting the standard for innovation and excellence in FinTech compliance, embedding it into N26’s culture to ensure that every control, policy, and risk assessment strengthens our position as a leader in the industry. As part of our team, you’ll be at the forefront of building a compliance culture that’s innovative, scalable, and seamlessly integrated into our operations, making compliance a key driver of N26’s competitive advantage. <h2>In this role, you will:</h2><ul><li style="color:#222222 !important">Manage the full lifecycle of ICT risk assessments, from initial risk identification to final remediation monitoring.</li><li style="color:#222222 !important">Assist in task prioritization, workload coordination, and ensuring timely delivery of risk assessments.</li><li style="color:#222222 !important">Foster a collaborative and open team environment, encouraging knowledge sharing and continuous improvement.</li><li style="color:#222222 !important">Act as a point of contact for team-related topics and support escalation handling when needed.</li><li style="color:#222222 !important">Support the implementation and execution of the key pillars of Risk Management &amp; Reporting in the field of Information Security.</li><li style="color:#222222 !important">Drive the transformation of the company’s ICT Risk Assessment processes to bring them to the highest standards in line with a dynamic environment in constant evolution.</li><li style="color:#222222 !important">Execute ICT Risk Assessments and ICT Audits for third-party provided tools and services in an accurate and timely manner.</li><li style="color:#222222 !important">Proactively coordinate activities with Third Party Vendors, Product Owners, Security Engineers and within the IRM Segment to perform the aforementioned assessments.</li><li style="color:#222222 !important">Provide technical and quality oversight regarding ICT risks, controls and technologies, including ongoing risk assessments, risk decisions, control implementation, evaluation of segregation of duties, and process improvement opportunities.</li><li style="color:#222222 !important">Contribute to perform Protection Requirement Analysis to determine the criticality of N26’s information assets and their&nbsp; needs for protection.</li><li style="color:#222222 !important">Identify gaps in current frameworks and lead improvement efforts that streamline the team's efficiency.</li><li style="color:#222222 !important">Act as a subject matter expert, distilling complex technical risks into clear, actionable essence for leadership.</li><li style="color:#222222 !important">Participate in the coaching and training of new hires and junior colleagues, ensuring quality of deliverables.</li><li style="color:#222222 !important">Develop KPIs and KRIs that support monitoring of ICT third party risks and reporting to 2nd line.&nbsp;</li></ul><h2>What you need to be successful:</h2><ul><li style="color:#222222 !important">Strong understanding of Information &amp; Communication Technologies (ICT) and the ICT Risk Management domain, as well as audit/compliance frameworks, methodologies and related processes.</li><li style="color:#222222 !important">Ability to communicate clearly with peers, as well as stakeholders of all levels from the partner companies.</li><li style="color:#222222 !important">Previous experience working in a dynamic environment of a technology-driven business (as e.g. a scaled startup).</li><li style="color:#222222 !important">Hands-on experience with cross-functional teams, business operations analysts, security engineers, software engineers, product managers, data analysts, IT audit functions, among other relevant stakeholders, in assessing processes, risks and controls.</li><li style="color:#222222 !important">Knowledge and hands-on experience on SOC reports, ISO 27001 certification and other standards or frameworks as a plus (as e.g., PCI DSS).</li><li style="color:#222222 !important">Previous experience in the banking sector is a plus, especially understanding of MaRisk and DORA requirements. Experience with Governance, Risk &amp; Compliance (GRC) platforms.</li><li style="color:#222222 !important">Strong Sense of Ownership: You are able to inherit a workflow, identify its weaknesses, and independently implement improvements and optimizations on your own initiative.</li><li style="color:#222222 !important">Experience with AI tools to improve workflows and efficiency</li></ul>Skills:<ul><li style="color:#000000 !important">Proficiency with Governance, Risk and Compliance (GRC) tools</li><li style="color:#000000 !important">Detail-oriented approach to analyzing technical evidence and documenting findings.</li><li style="color:#222222 !important">Fluency in English is strictly required. German language knowledge is a plus.</li><li style="color:#000000 !important">A hands-on mentality, eager to suggest and implement process improvements.</li></ul><h2>What’s in it for you:</h2><ul><li style="color:#000000 !important">Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li><li style="color:#000000 !important">Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li><li style="color:#000000 !important">As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.&nbsp;&nbsp;&nbsp;&nbsp;</li><li style="color:#000000 !important">Vacation days vary depending on your location of work. Additional day of annual leave for each year of service.&nbsp;&nbsp;</li><li style="color:#000000 !important">A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.&nbsp;</li><li style="color:#000000 !important">A relocation package with visa support for those who need it.</li></ul>

ICT Risk Assessment Manager

<h1>Data Analyst - Investments</h1>
<h2>Summary</h2>
We are seeking an organised and self-motivated Data Analyst to work embedded in our Investments team, to help shape the development of one of the world's leading FinTech products.&nbsp;
<h2>About the opportunity</h2>
As a Data Analyst, you will enable our product and business segments in the Financial Empowerment domain, specifically Investments, to make data-driven decisions. You will monitor, measure and analyse the effectiveness of your product teams' initiatives, helping to drive the strategy of your business segment. You will apply robust analytical approaches, including experimentation and causal inference methods where appropriate, to understand the impact of product and business decisions on customer and business outcomes. You are here to establish a data mindset and thereby foster a culture of continuous learning and improvement. You will work in a cross-functional setup, collaborating closely with other analysts, engineers, designers, and product managers.
<h2>In this role, you will:</h2>
<ul>
<li>
Help us set the right goals: Develop clear and measurable targets based on an initiatives’ scope. Improve our overall forecasting and goal setting capabilities.&nbsp;
</li>
<li>
Handle stakeholders: Be an internal go-to-person for your teams when it comes to data related questions.&nbsp;
</li>
<li>
Evaluate initiatives: Support product experimentation and impact measurement initiatives; design experiments and causal inference analyses, obtain cross-functional alignment, execute robust analyses, and deliver actionable insights. Share these learnings through clear documentation and concise, empathic communication.
</li>
<li>
Contribute to self-serve data platform: Help building the right analytics foundations ,by pairing up with technical peers, so our product teams can interact with data and extract the right insights themselves.&nbsp;
</li>
<li>
Provide monitoring tools: Build the dashboards your team looks at every week to make sure they are impacting our company OKRs.&nbsp;
</li>
<li>
Improve data literacy of organisation: Educate teams to become independent when it comes to data access and understanding function led training and team wide workshops to foster data driven culture.
</li>
<li>
Be part of our data-community: Collaborate with a broad range of analytics teams at N26 to utilise shared platforms, insights and innovations.
</li>
<li>
Support some of the following product &amp; business team initiatives (not limited to):&nbsp;
<ul>
<li>
Support your team in discovery of new product ideas, identifying user friction points and business opportunities.
</li>
<li>
Evaluate your teams’ continuous releases making sure they are delivering on business goals via experimental or observational methods.
</li>
<li>
Collaborate with UX researchers to combine qualitative and quantitative research for better product hypotheses.
</li>
<li>
During product development you make sure all data needed for future evaluation is being captured through set up of tracking events or as part of the backend service.
</li>
<li>
Drive the quantitative analysis on your segment, being responsible for the insights and business discovery on the team.
</li>
</ul>
</li>
</ul>
<h2>What you need to be successful:</h2>
Background:&nbsp;
<ul>
<li>
3+ years of experience, ideally within the Product or Analytics field.&nbsp;
</li>
<li>
1+ years of experience in the Investments or Wealth domain
</li>
</ul>
Skills:
<ul>
<li>
Strong understanding of statistical methods used in the analysis of experimental and observational data (e.g. causal inference)
</li>
<li>
Strong problem solving skills and is comfortable doing exploratory data analysis that generates insights and “so whats”
</li>
<li>
Highly experienced with SQL and Python/R for analytics
</li>
<li>
Experience working with one or more common data visualisation tools (Tableau, Metabase, Looker, Superset, etc)
</li>
<li>
Good presentation skills and communication skills.
</li>
<li>
Experience with Experimentation (e.g. AB testing, multivariate etc)
</li>
</ul>
&nbsp;
<h2>What’s in it for you:</h2>
<ul class="pl-nemo24">
<li class="mb-nemo8 list-disc">Accelerate your career growth by joining one of Europe’s most innovative banks 🚀.</li>
<li class="mb-nemo8 list-disc">Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li class="mb-nemo8 list-disc">As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members. &nbsp; &nbsp;</li>
<li class="mb-nemo8 list-disc">Vacation days vary depending on your location of work. Additional day of annual leave for each year of service. &nbsp;</li>
<li class="mb-nemo8 list-disc">A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.&nbsp;</li>
<li class="mb-nemo8 list-disc">A relocation package with visa support for those who need it.</li>
</ul>
<h2>Who we are?</h2>
 N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use. We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.&nbsp; Founded in 2013, N26 now has 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Sounds good? Apply now for this position!

Data Analyst - Investments

<h2>Summary</h2>
&nbsp;We are seeking an organised and self-motivated Data Analyst to work embedded in our Everyday Banking team, to help shape the development of one of the world's leading FinTech products.
<h2>About the opportunity</h2>
As a Data Analyst (Product) you will enable our product and business segments (Cards, Payments in the Everyday Banking domain to make data-driven decisions. You will monitor, measure and analyse the effectiveness of your product teams’ initiatives, as well as help drive the strategy of your business segment. You are here to establish a data-mindset and thereby to foster a culture of continuous learning and improvement. You will work in a cross functional setup, working closely with other analysts, engineers, designers, and product managers.
<h2>In this role, you will:&nbsp;</h2>
<ul>
<li>
Help us set the right goals: Develop clear and measurable targets based on an initiatives’ scope. Improve our overall forecasting and goal setting capabilities.&nbsp;
</li>
<li>
Handle stakeholders: Be an internal go-to-person for your teams when it comes to data related questions.&nbsp;
</li>
<li>
Evaluate initiatives: Support Product experimentation &amp; A/B testing initiatives; design test plans, obtain cross-functional alignment, execute robust analysis, and deliver actionable insights. Share these learnings through clear documentation and concise and empathic communication.
</li>
<li>
Contribute to self-serve data platform: Help building the right analytics foundations ,by pairing up with technical peers, so our product and business teams can interact with data and extract the right insights themselves.&nbsp;
</li>
<li>
Provide monitoring tools: Build the dashboards your team looks at every week to make sure they are impacting our company OKRs.&nbsp;
</li>
<li>
Improve data literacy of organisation: Educate teams to become independent when it comes to data access and understanding function led training and team wide workshops to foster data driven culture.
</li>
<li>
Be part of our data-community: Collaborate with a broad range of analytics teams at N26 to utilise shared platforms, insights and innovations.
</li>
<li>
Support some of the following product &amp; business team initiatives (not limited to):&nbsp;
<ul>
<li>
You support your team in discovery of new product ideas, identifying user friction points, business opportunities and defining success metrics and targets.
</li>
<li>
Evaluate your teams’ continuous releases making sure they are delivering on business goals via experimental or observational methods.
</li>
<li>
Collaborate with UX researchers to combine qualitative and quantitative research for better product hypotheses.
</li>
<li>
During product development you make sure all data needed for future evaluation is being captured through set up of tracking events or as part of the backend service.
</li>
<li>
Design, conduct and analyze A/B tests&nbsp;
</li>
<li>
Drive the quantitative analysis on your segment, being responsible for the insights and business discovery on the team.
</li>
</ul>
</li>
</ul>
<h2>What you need to be successful:</h2>
Background:&nbsp;
3+ years of experience, ideally within the Product or Analytics field.&nbsp;
Skills:
<ul>
<li>
Strong understanding of statistical methods used in the analysis of experimental and observational data
</li>
<li>
Strong problem solving skills and is comfortable doing exploratory data analysis that generates insights and “so whats”
</li>
<li>
Highly experienced with SQL and Python/R for analytics
</li>
<li>
Experience working with one or more common data visualisation tools (Tableau, Metabase, Looker, Superset, etc)
</li>
<li>
Good presentation skills and communication skills.
</li>
<li>
Experience with A/B Testing &amp; Product Analytics
</li>
<li>
Having experience with cards y/or payments domains in high growth startups would be a big plus
</li>
<li>
Having experience in quantitative research would be a plus
</li>
<li>
Having experience in fintech would be a plus
</li>
<li>
Having experience with AI Analytics would be a plus
</li>
</ul>
<h2 class="text-nemo18 nemomd:text-nemo19">What’s in it for you:</h2>
<ul class="pl-nemo24">
<li class="mb-nemo8 list-disc">Accelerate your career growth&nbsp;by joining one of Europe’s most talked about disruptors.</li>
<li class="mb-nemo8 list-disc">Employee benefits&nbsp;that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.</li>
<li class="mb-nemo8 list-disc">As an N26 employee&nbsp;you will have access to a Premium subscription on your personal N26 bank account, as well as subscriptions for friends and family members.</li>
<li class="mb-nemo8 list-disc">Additional day of annual leave&nbsp;for each year of service.</li>
<li class="mb-nemo8 list-disc">A high degree of autonomy&nbsp;and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.</li>
<li class="mb-nemo8 list-disc">A relocation package&nbsp;with visa support for those who need it.</li>
</ul>
<h2 class="text-nemo18 nemomd:text-nemo19">Who we are</h2>
N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use. We’ve eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.Sounds good? Apply now for this position.
<h2 class="text-nemo18 nemomd:text-nemo19">Equal Opportunities</h2>
We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential. We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages.We’re committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there’s anything you need to make the application process work for you, please let us know by reaching out to <a href="mailto:candidate.exp@n26.com">candidate.exp@n26.com</a>.&nbsp;

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