Key Responsibilities:
This role is focused on developing and maintaining robust data analytics and second-line process controls for the mortgage portfolio.
The ideal candidate will have a deep understanding of data processing tools such as SQL, Python, and R, as well as a strong curiosity for broader mortgage business aspects, including macroeconomic analysis of collateral and digital process controls.
* Design, implement, and manage robust data analytics and second-line process controls for the mortgage portfolio.
* Contribute to the further development of N26's mortgage credit risk function, aligning with growth aspirations, risk management objectives, and regulatory compliance requirements within the retail mortgage business.
About Our Ideal Candidate:
* Bachelor's degree in finance, econometrics, statistics, mathematics, computer science, or a comparable quantitative field.
* 3+ years of experience in credit risk management, data analytics, process controls, or credit risk methodology development.
* Proven experience in building, implementing, and running credit process controls and oversight frameworks.
Key Skills:
* Strong proficiency in SQL for data extraction, manipulation, and analysis.
* Experience with other programming languages (like Python or R) for quantitative analysis and model development.
* Solid knowledge of credit risk methodology, including PD/LGD models, debt-servicing ability, and advanced collateral valuation techniques.
We Offer:
* A competitive personal development budget.
* Work from home budget.
* Discounts to fitness & wellness memberships, language apps, and public transportation.
* Premium subscription on your personal N26 bank account.
* Relocation package with visa support for those who need it.
We're an Equal Opportunities Employer:
We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages.