Head of design, head of product

N26 is Europe’s leading digital bank with a full German banking license. Our growth is driven by expanding into adjacent services like mobile connectivity and recently launching cards designed for kids. To lead this, we need a Director of Marketing [Paid] who understands how to communicate the value of a top-of-wallet banking experience. 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 growth, and ensuring strong P&L performance in alignment with N26 Bank risk appetite and policies. Additionally, you will work closely with Engineering, Credit, Data Science, Design and senior management to identify new opportunities, optimise current portfolio performance and deliver with high standards and high velocity. Team Management and Leadership: architect and scale an efficient lending organization, design high-performing team structures, establish clear governance, and embed success metrics across all areas of responsibility.
Strengthen Cross-Functional Collaboration: become a connective tissue between Product, Credit Risk, Operations and Data Science, deeply understanding underlying credit risk models to ensure robust, compliant, and data-driven lending decisions. 
Strategic Product & Business Leadership: a proven track record in senior Product Management leadership, P&L ownership, demonstrating a balance of a strong product mindset and high-level business acumen. Lending Domain Expertise: proven experience in banking, fintech, or the broader lending space (e.g., credit lines, BNPL, loans, mortgages etc). 
Team Leadership: you possess proven ability to build, nurture and grow high performing teams and you can create an innovative environment where top-tier talent can thrive and deliver exceptional business results.
Data & P&L Fluency: you are deeply data-driven, possess a strong understanding of P&L management, and know how to use data to make sharp product decisions that move the needle for the business.
Stakeholder Management and Cross-functional Collaboration: you are comfortable working closely with different areas of the organization. Navigating between Product, Engineering, Credit Risk Management, Data Science and Operations, you can communicate effectively, manage expectations and balance human and operational resources.