About the opportunity

Are you ready to fast-track your career? N26 is looking for a Senior Treasury Credit Associate to further develop the credit risk function at a cutting-edge technology-driven bank, establishing credit analysis, risk management and control tools, developing credit processes based on state of the art technology, as well as latest regulations in cooperation with leading business and tech experts, and taking a key role in N26s Credit Office.

In this role, you will:

Further develop N26s treasury credit office and trade control functions within the credit risk department in order to accommodate N26s investment goals and risk leadership aspirations

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Contribute to credit risk department's enabler role for N26 by helping to develop cutting-edge credit solutions for our treasury business, operationally preparing credit/investment decisions, and executing credit and trade controls

Support further development of state-of-the-art credit analysis methods, processes and controls along the entire lifecycle (credit decision, credit monitoring and early warning, intensified and problem loan management) tailored to N26s asset classes and operating model

Support further development of credit risk reporting at N26 Group and continuously generate insights to support treasury steering in accordance with the investment and risk strategies

Support further development of treasury strategy, governance, methodology and process frameworks in compliance with relevant law and regulation (e.g., KWG, MaRisk, EBA Guidelines) and applicable best practices

Partner with Group Treasury, Capital Markets, and Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments to implement credit requirements, help ensuring transparency, and compliance with applicable credit law and regulations, and contribute to establishing a risk culture in the organization

What you need to be successful:

Background:

Bachelor's degree in business administration, economics or comparable field; additional qualification (e.g., Master's degree in relevant field, passed CFA exams) is a strong plus

2+ years experience in financial services and credit risk management, preferably focusing on operative credit analysis, processes and controls; previous experience in a FinTech is a plus.

Prior experience in digitalisation and automation projects in the fields of Credit Risk and Credit Analysis.

Skills:

Previous experience in credit or portfolio analysis for main exposure classes (e.g., institutions, sovereigns, corporates), and understanding of underlying credit analysis and rating methodologies

Knowledge of financial instruments (loans, securities) and underlying risk profiles

Understanding of credit business (MaRisk BTO1) across the entire value chain (e.g., credit decisioning, monitoring and early warning) and proven ability to build and run accordant processes and controls

Previous experience in trade settlement and controls (MaRisk BTO2) is a strong plus

Hands-on knowledge of credit risk regulation (e.g., KWG, MaRisk, EBA Guidelines), its implementation in credit processes, and interaction with internal/external auditors is a strong plus

Previous experience in project delivery on introducing new regulatory requirements, complex credit process changes, and/or credit process digitization

Strong analytical and quantitative skills, and ability to independently generate insights

At least basic Bloomberg and SQL command, and willingness to further develop it; basic Python knowledge is a plus

Traits:

Strong topic ownership and bias for action

Entrepreneurial vision, autonomous attitude, and a 'get things done' approach

Rigorous critical thinking and drive to improve the status quo

Curiosity about new technologies and open-mindness to disrupt existing operating models

Good communication and stakeholder management skills

Both attention to details and strong conceptual thinking

Flexibility in a fast-changing environment

Actively help yourself and the team to be successful

Positive and collaborative mindset

Will to continuously learn and act upon direct feedback

What's in it for you:

Accelerate your career growth by joining one of Europe's most talked about disruptors 🚀.

Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation.

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.

Vacation days vary depending on your location of work. Additional day of annual leave for each year of service.

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.

A relocation package with visa support for those who need it.

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.
Founded in 2013, N26 now has more than 8 million customers in 24 markets. 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.
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.

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