N26 jobs

Risk Controlling Manager, Liquidity Risk (ILAAP) Madrid Risk Controlling Manager, Liquidity Risk (ILAAP) About the opportunity We are seeking a Manager Risk Controlling to help us further develop and strengthen our Risk Controlling function with a focus on the Internal Liquidity Adequacy Assessment Process (ILAAP) and overall Liquidity Risk Management. As part of the Risk Controlling team, you will lead the development, implementation, and analysis of models for liquidity risk controlling, covering both regulatory requirements (Pillar I) and internal methodologies. You will ensure that N26 maintains a robust liquidity position through advanced modelling, stress testing, and expert methodological guidance. At N26, we are redefining banking through technology and innovation. As a Risk Controlling Manager with a focus on ILAAP and liquidity risk, you will have the opportunity to shape the future of risk management in a fast-paced, forward-thinking environment. Join us and be part of a team that values collaboration, innovation, and excellence. In this role, you will: - Lead the design, maintenance, and continuous improvement of the ILAAP framework, ensuring it accurately reflects the firm's liquidity adequacy and risk appetite. - Develop and enhance advanced methodologies for measuring liquidity risk, including internal liquidity maturity ladders, survival period analysis, and intraday liquidity metrics. - Spearhead the design and calibration of comprehensive liquidity stress scenarios, identifying potential vulnerabilities and challenging qualitative assumptions. - Ensure full compliance with relevant European and German regulatory requirements, such as MaRisk and EBA Guidelines on ILAAP, while overseeing regulatory liquidity reporting standards. - Establish and maintain

Head of Product - Lending Berlin About us N26 is Europe's leading digital bank with a full German banking license. Headquartered in Berlin and operating across more than 20 markets, we are now entering our next stage of maturity. Our focus is on our growth engine while we strengthen robustness, scalability, and operational excellence. With new senior leaders joining to guide this phase, we are sharpening how we build, ship, and sustain products at scale. As we continue to keep a strong product pulse. Our growth is driven by expanding into adjacent services like mobile connectivity and recently launching cards designed for kids. Our core strategy focuses on empowering customers to switch to N26 as their primary account. By embedding financial tools that are reliable and resilient, we ensure N26 is an essential part of everyday life. To lead this, we need a Director of Marketing [Paid] who understands how to communicate the value of a top-of-wallet banking experience. About the role With the financial sector facing significant digital transformation and heightened competition, N26 is seeking a focused leader to spearhead the expansion of our strategic Lending division. As Head of Lending, you will assume management of the Lending vertical, supervising the end-to-end lifecycle of our retail lending products operations, which currently cover consumer loans, overdraft facilities, and installment products. This product is critical to the banking business and the role empowers you to operate your own business vertical: designing the long-term Lending strategy & roadmap, driving product adoption and

Senior Backend Engineer - Security Automation Barcelona About the Opportunity At N26, security is the foundation of our bank. 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. We are seeking a talented Senior Backend Engineer with a strong security or SRE background to join our Security Engineering team. In this role, you will be part of a small, high-impact, and independent team responsible for building and scaling the N26 Security Platform. This team acts as a central force within our security organization, building internal products and automation engines that support multiple specialized teams across the company. Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. This is a role for an engineer who thrives on autonomy, wants to embrace the latest technological updates, and is excited to solve high-stakes technical challenges on a daily basis. Once here you will - Design and Own End-to-End Solutions: Lead the architectural design and implementation of high-availability, high-performance backend services and platform components, seeing them through from concept to production completion. - Build the Security Platform: Develop tools and automation engines that enable specialized security teams to automate threat detection, incident response, and vulnerability management at scale. - Enable the Organization: Act

(Senior) Product Manager - Onboarding & KYC Berlin About the opportunity We are seeking a passionate Product manager with a desire to develop innovative products and an innate interest in financial technology to join our Customer Identity group. As a (Senior) Product Manager in the Customer Identity space, you will be responsible for supporting customer identity verification topics aiming to enable a secure, reliable, and frictionless experience for N26 users globally during customer onboarding and rest of the lifecycle. You will be working in a cross-functional team of product managers, product designers, engineers, and data scientists who develop and maintain the products. You will also be partnering with various areas in the bank to offer advice and support on a large portfolio of new and existing product and market launches. In this role you will: - Support strategic discussions and product designs in the customer identity product area. - Create and support the execution of the product roadmaps, with an outcome/ KPI-driven mindset. - Ensure product rollouts are delivered successfully by working cross-functionally with local market teams, marketing, operations, compliance, and the engineering team. - Work with stakeholders to support customer onboarding (with focus on customer identity verification), new product launches and expansion plans. - Partner with stakeholders across N26 to define your team goals and drive it to achieve success. - Run discoveries in different areas in the company in order to identify pain points and opportunities, brainstorm solutions and impact customers' onboarding experience. - Work with the business

Senior Product Manager - Conversational Banking Berlin About the opportunity We are seeking a hands-on Senior Product Manager with a passion for the systems behind great service and a strong operational instinct to join our Conversational Banking group. As Senior Product Manager for Operations & Automation, you will own the platforms our service organisation runs on Salesforce as the agent and case-management backbone, the automation layer that removes routine work, and the operational tooling that lets N26 scale support across markets without proportionally increasing costs. Conversational Banking is how N26 is there for clients on their terms; and in this role, you are building the engine room that makes those seamless interactions possible. You will work in a cross-functional team of Product Managers, Designers, Engineers and analysts, and partner closely with all product areas. In this role, you will: - Re-engineer service processes end to end: Map how work actually flows across contact channels, cases and back office; identify waste, failure demand and procedural gaps; redesign processes for resolution and efficiency; and embed the redesigned process into the platform so it sticks. - Drive CRM enablement: Lead the optimization and scaling of Salesforce as our core case-management backbone to continuously elevate agent capabilities. - Scale workflow automation and process improvement across service operations: Identify high-volume, low-complexity work and removing it through automation, smarter tooling and redesigned agent journeys, with measurable efficiency and quality outcomes. - Own operational readiness: Manage readiness for product and market launches across the service organisation processes,

Senior Manager Risk - ICAAP / ILAAP (Pillar 1) Berlin About the opportunity Are you ready to take the next step in your career? N26 is looking for a Senior Manager to lead and further develop the Risk Governance & Capital Planning team. In this role, you will take ownership of key risk controlling processes across capital and liquidity adequacy, with a focus on Pillar 1 topics within the normative perspective of the ICAAP framework as well as ILAAP. You will ensure alignment with regulatory requirements and internal risk strategy while further strengthening governance frameworks, methodologies, and risk controlling practices. As the lead of the team, you will guide and develop team members and play a key role in assessing, controlling, and reporting N26's risks. You will collaborate closely with cross-functional stakeholders and act as a key counterpart for auditors and regulators. In this role, you will: - Lead and develop the Risk Governance & Capital Planning team, providing guidance, mentorship, and expertise across ICAAP (Pillar 1) and ILAAP topics - Own and further enhance capital planning processes and Pillar 1 ICAAP governance, including stress testing frameworks and scenario design - Own and further develop the ILAAP framework, including liquidity risk methodologies, stress testing, and key liquidity risk metrics - Oversee key risk governance components, including RWA calculation, risk appetite framework, risk policies, limit setting and monitoring, and internal controls - Own and further develop the risk inventory and recovery plan (Sanierungsplan), ensuring consistency across capital and liquidity perspectives -

Senior Regulatory Reporting Manager Berlin About the opportunity We are the N26 Regulatory Reporting Team - an ambitious, high-performing team committed to absolute precision, robust compliance, and strategic data architecture. We are looking for a Senior Regulatory Reporting Manager to join our expanding team. In this senior expert role, you will act as a core pillar of our reporting function, driving the end-to-end delivery of complex regulatory frameworks, mentoring a team of data analysts and experts, and safeguarding N26's regulatory standing during a period of high-impact product innovation. If you are a seasoned authority in banking regulations with 10+ years of deep operational and technical experience, we encourage you to apply. In this role, you will - Lead End-to-End Delivery: Oversee the flawless compilation, meticulous proofing, and timely submission of regulatory reports annually, ensuring total adherence to monthly, quarterly, bi-annual, and annual cycles. - Master Core & Liquidity Frameworks: Take full ownership of complex COREP, FINREP, statistical and national reporting, with a heavily elevated focus on complex liquidity reporting, capital requirements (Basel Pillar 1 and 3), and hard operational groundwork. - Navigate Audits & Remediations: Function as the primary expert face for internal and external auditors. - Project Support: Act as the critical regulatory gatekeeper for new company initiatives and innovations. - Optimise Data & Systems Infrastructure: Collaborate closely with the Data and IT teams to refine data pipelines, map complex interface descriptions, and continuously automate processes within our core reporting engine ( BAIS ). What you need to be

Head of Data Science - Generative AI Barcelona About the opportunity We are seeking an inspirational and strategic Head of Data Science to lead our Generative AI team. This is a critical leadership role where you will define and drive the strategy for developing production-ready generative AI applications, transforming how N26 operates and serves its millions of customers across Europe. Your team develops cutting-edge generative AI workflows, agents, and agentic systems for internal automation and to enable innovative, high-impact customer-facing product features. Are you ready to lead a high-performing team and accelerate the application of generative AI and machine learning to projects that affect millions of users all over Europe? Would you like to set the technical direction and investigate new generative AI capabilities to implement novel, strategic use cases? Come join us! 🤗 In this role, you will: Architect and drive the end-to-end AI transformation across N26. This technical leadership role involves designing the MLOps infrastructure for scalable Generative AI solutions, establishing robust enterprise-wide technical standards for responsible AI governance, and championing the organizational and cultural change necessary to integrate and scale innovative GenAI solutions across all business units. - Strategy and Leadership: Define, communicate, and execute the overall Data Science roadmap and vision for the Generative AI function, ensuring alignment with N26's product and business goals. - Team Management: Lead, mentor, and grow a diverse team of experienced AI experts, fostering a culture of technical excellence, continuous learning, and impact. - Technical Oversight: Provide strategic and architectural guidance

Senior Backend Engineer - Customer Risk Lifecycle Berlin, Barcelona About the Opportunity Banking Foundations domain mission for N26 is to provide secure and compliant banking services that are frictionless and innovative for customers, while enabling efficient operations and informed decision-making for our staff. We achieve this through robust customer identity verification, proactive risk management, and seamless customer support. This foundation enables N26 to achieve sustainable growth while maintaining the highest levels of trust with our customers and regulators. In this role, you will: - Collaborate closely with your Tech Lead on architecting new features and seeing them through to completion. - Design, develop, test, deploy and maintain software in a thriving environment. - Have opportunities to mentor junior members in the team by relentlessly guarding code quality through pull requests and helping them when they have questions. - Stay up to date with the latest trends in technology and you are not afraid to propose some findings during our Get Stuff Done Days. - Work within your cross-functional team to uphold the highest technical standards right across the product. What you need to be successful: Skills & Background: - Experience in developing software using a JVM language and Spring Boot in large-scale production systems (note: experience of Kotlin would be a plus). - Sound understanding of microservice architecture. - Knowledge of both relational and non-relational databases, preferably Postgres. - Appreciation of working in a modern cloud architecture, preferably with AWS. - Full professional proficiency in English. Traits: - Actively help

Executive Assistant to the Chief Operating Officer Berlin About the opportunity We have an exciting opportunity to join the N26 Executive Office as Executive Assistant to our Chief Operating Officer (COO) . At N26, our team of Executive Assistants provide high-level management support, clerical and business assistance, plus direction and guidance to support in the achievement of strategic priorities and business goals and objectives. This opportunity will allow you to see what the daily life of a C-Level executive is like, how N26 is managed, and how our senior management works together. Objectives The Executive Assistant is responsible for providing sophisticated administrative and operational support while contributing to projects that help drive business priorities and strengthen team collaboration in a way that facilitates the executive and teams being their most productive and effective. Taking direction from the Chief of Staff of the N26 Executive Office, the Executive Assistant is ultimately responsible for ensuring seamless back office and logistical support for the Chief Operating Officer of N26. In this role, you will: - Assist in managing competing executive time, focus, and priorities in line with strategic objectives and short-term goals and objectives, assessing any shift in priorities as appropriate through the following: - Manage complex calendars, across multiple time zones including vetting, prioritising, and providing recommendations on meeting cadence, time spent, and optimising scheduling on an ongoing basis. - Act as a gatekeeper for the COO, by reviewing incoming requests and assessing the purpose, objective, and desired outcomes of requests. You

Android Engineer - Subscriptions Barcelona About the opportunity You will work in the Grow & Engage domain . This is the heart of the customer experience ranging from the acquisition and signup to our premium membership tiers and the daily engagement of our users . You will work in teams delivering the newest and most innovative features serving our customers in the best way possible . In this role, you will focus specifically on our Subscriptions experience, building and optimizing the Android features that drive our premium tiers and unlock value for millions of users. Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. As an Android Engineer at N26, you will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis. In this role, you will: - Build and release new features to increase our premium subscriptions. - You will proactively work on improving the Android tech stack and ensure high quality standards - Participate in the N26 Android community, facilitating cross team collaboration - Work with Product, customers and stakeholders to understand their needs and build the right products and solutions - Mentor and support other team members and also learn from them - Expand and develop your Android knowledge, skills, and technology expertise What you need to be successful: Skills: - Demonstrate deep knowledge and understanding of the Android platform. - The ability to

Backend Engineer - Customer Risk Lifecycle Barcelona, Berlin About the opportunity Banking Foundations domain mission for N26 is to provide secure and compliant banking services that are frictionless and innovative for customers, while enabling efficient operations and informed decision-making for our staff. We achieve this through robust customer identity verification, proactive risk management, and seamless customer support. This foundation enables N26 to achieve sustainable growth while maintaining the highest levels of trust with our customers and regulators. We are seeking a talented Backend Engineer to join our expanding teams in Barcelona and evolve our product, powered by a microservice architecture predominantly written in Java 8 and Kotlin, using Spring Boot. Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. As a Backend Engineer at N26, you will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis. In this role, you will: - Design, develop, test, deploy and maintain software in a thriving environment - Manage individual project priorities and deliverables whilst working in a team who enjoy knowledge sharing sessions - Stay up to date with the latest trends in technology and you are not afraid to propose some findings during our GSDD . - Work within your cross-functional team to uphold the highest technical standards right across the product What you need to be successful: Background: - Experience in developing software using a JVM language

Lead Workday Specialist Berlin About the opportunity Join the People Technology Team at N26, whose mission is to continuously improve and maintain applications owned within the People function. These applications include the Workday HCM modules, Greenhouse and more. This opportunity offers you the chance to be a part of process improvements that positively impact the entire N26 workforce. You will be providing support to maintain Workday, gaining experience in how to design and implement improvements, gathering requirements, maintaining existing people team tools and becoming the go to person for recruitment tools. In this role, you will: - Overseas and maintains optimal function of the organisations internal HR & Financial information services systems, which may include database management, network support, installation, customisation, development, maintenance and upgrades to application, systems and modules - Instals, implements, modifies and upgrades software and applications to meet changing business and technology - Provides technical support troubleshooting, and guidance to HR & FIN employees - Collaborates with executive leadership and HR/ FIN staff to identify needed improvements and enhancements to existing services and databases, recommends and implements solutions - Ensures permissions, access, personalisation and similar system operations and settings for HR/FIN services users are maintained and meeting internal policies and legislative requirements - Programs custom functions and documentation such as automated queries, filters, macros and reports - Compiles or assists with acquisition of complex data reports, summaries and logs requested by senior executives and HR/ FIN staff - Serves as lead representative and liaison between HR/ FIN,

ICT Risk Assessment Manager Berlin ​ About the opportunity We are seeking an ICT Risk Assessment Manager to join our 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. In this role, you will: - Lead the lifecycle of ICT risk assessments, from initial risk identification and execution to final remediation monitoring. - Execute and coordinate ICT Risk Assessments and ICT Audits for third-party tools and services, collaborating closely with Third-Party service providers, Product Owners, Security Engineers, and Data Privacy. - Provide technical and quality oversight regarding ICT risks, controls, and technologies-including ongoing risk decisions, control implementation, and propose improvement opportunities. - Act as a subject matter expert, translating complex technical risks into clear, actionable insights, for business and technical teams. - Conduct security impact assessments on ICT assets and business processes. - Develop KPIs and KRIs that support the monitoring of ICT third-party risks and reporting to the 2nd line of defense. - Identify gaps in current frameworks and lead improvement efforts that streamline the team's efficiency and automation. - Coach and mentor new hires and

Junior Backend Engineer - Lending Barcelona About The Opportunity You will work in the Financial Empowerment domain. Our goal is to empower everyone to achieve financial freedom and unlock their potential for a better life by providing N26 users with access to the money they need to achieve their life objectives, whether today (deposits or borrowing) or tomorrow (saving and investing). Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. As a Backend Engineer at N26, you will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis. In this role, you will: - Design, develop, test and deploy software solutions . - Maintain and improve software . - Manage individual project priorities, deadlines and deliverables . - Have a high degree of autonomy . - Work with international, highly engaged peers . - Work with people and teams who have a getting things done attitude . What you need to be successful: Background: - Experience in developing software using Java or Kotlin . Skills: - The ability to work independently . - Be highly motivated and a fast learner . - Be a problem solver . Traits: - Full professional proficiency in English . - Strong call to action and for getting things done . - Motivation to write code which is well-tested and well-documented . - Give and receive open, direct and timely feedback .

Lead Backend Engineer - Assistance Barcelona, Berlin About the opportunity You will be part of the Intelligent Operations Platforms (IOP) or the Assistance segments, which cross-functional teams power the operations at N26 and in some cases enable other tech teams through a robust platform approach. We are seeking a talented Lead Engineer to join our expanding teams and evolve our product, powered by a microservice architecture predominantly written in Java and Kotlin, using Spring Boot. Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. As a Lead Engineer at N26, you will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis. In this role, you will: - Directly impact your team's tech scope: work hand in hand with PM and EM to manage product technical roadmaps and dependencies to minimise technical debt. - Architect & Build: Design, develop, and maintain high-availability, high-performance web applications that serve as the backbone of our internal operations. - Foster tech-solid delivery: Drive the team's build-it-ship-it attitude by demonstrating healthy engineering practices, writing clean, well-tested, and well-refactored code with the team, and shipping it into production as often as possible - Integrate AI: Implement new features and integrations with foundational models and automation systems to empower our back-office teams. - Scale: Optimize, measure and monitor distributed systems to ensure seamless, continuous software delivery. - Mentor & Document: Role model engineering excellence

Non-Financial Risk and Internal Controls Manager Berlin About the opportunity Are you ready to take the next step in your career? N26 is seeking a Manager - Non Financial Risk and Internal Controls to join our Non-Financial Risk Management team. This is a unique opportunity to be developing and maintaining a robust internal control system at a cutting edge technology-driven bank. In this role, you will support various aspects of internal control system development, risk and control assessment, and reporting, working across functions, products, and markets to evaluate and enhance the internal control systems, mitigating non-financial risks N26 may be exposed to. In this role, you will: - Develop and Enhance Non Financial Risks Management and Internal Control System (ICS): Continuously design, build, refine and manage N26's internal control systems to ensure they effectively mitigate non-financial risks. Continuously improve control structures to support business growth and compliance. - Cross-Functional Collaboration: Work closely with departments across N26, gathering assessments relevant to managing non-financial risks. This includes guiding stakeholders during assessment processes to ensure control systems are robust and effective. - Drive Workshops and Training: Organise workshops and deliver training to internal teams to help them understand and apply internal controls in their processes wherever applicable fostering a culture of risk awareness and ensuring effective ICS implementation. - Risk and Control Assessments: Guide, review and challenge the Risk and Control Assessments in line with Risk Appetite considerations to ensure a robust and sustainable control environment to mitigate material risks - Support in

Junior Backend Engineer - Everyday Banking Berlin About the opportunity Join the Cards & Wallets Segment within our Everyday Banking Domain. We are committed to delivering a secure, seamless, and highly scalable card experience for all our global users. Operating out of our Berlin and Barcelona hubs, our team serves as the central engine for both domestic and international operations. You'll be stepping into a mature environment focused on high-stakes transaction processing. Our cross-functional teams are passionate about collaboration and sharing knowledge, as well as working with a high degree of autonomy. As a Backend Engineer at N26, you will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis. In this role, you will: - Architect, build, validate, and launch sophisticated software solutions - Uphold and optimize existing software systems - Oversee specific project goals, timelines, and technical outcomes - Exercise a significant level of professional autonomy - Collaborate with a diverse group of highly motivated international colleagues - Partner with teams that embody a proactive, results-oriented mindset What you need to be successful: Background: - Proven experience in software development using Kotlin or Java - A solid grasp of modern microservice architectural patterns. Skills: - The capacity to execute tasks independently - High levels of drive and an ability to learn quickly - A proactive approach to solving complex problems - Communication: professional fluency in spoken and written English Traits: - A powerful drive toward action

KYC Specialist Madrid About the opportunity We are looking for a Specialist in Know-Your-Customer (KYC) to join our growing KYC team in our Madrid office. In this role, you will take ownership of key processes within KYC and ensure an optimal user experience. In KYC, our goal is to lead and shape the industry by fostering a culture of compliance within N26 that is trusted by authorities, customers, and shareholders. For that purpose, your expertise in KYC is fundamental. Particularly in Ongoing Due Diligence (ODD) and Enhanced Due Diligence (EDD) for Customers and Politically Exposed Persons (PEP), will be instrumental for your success in this position. KYC Specialist The Specialist role is centered on operational excellence and the effective management of daily cases. Through dedication and continuous learning, an L1 becomes a fundamental member of the team in ensuring N26's regulatory compliance. I. In Your Next Challenge, You Will: - Apply In-depth knowledge of regulatory requirements and industry best practices related to EDD and ODD processes. - Apply your experience with due diligence processes related to High-Risk Customers (HRC) and Politically Exposed Persons (PEP). - Correctly apply established policies in each case assessment, maintaining a clear understanding of compliance requirements to ensure quality work. - Contribute to the maintenance of the Service Level Agreement (SLA): Efficiently manage assigned cases, ensuring deadlines are met. - Showcase your proficiency in using KYC tools, platforms, and software for efficient processing and management of EDD and ODD cases. - Demonstrate your analytical and investigative

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