Job Title: Capital Planning and Risk Controlling Manager
About the Role:
N26 is seeking a senior professional to lead capital planning and risk governance within our ICAAP framework at a cutting-edge technology-driven bank.
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.
Responsibilities:
* Lead and enhance capital planning and overall ICAAP governance, ensuring robust risk management and compliance with evolving regulations.
* Drive and enhance the risk management and risk controlling of the group, taking ownership of key areas such as RWA calculation, risk appetite, risk policies and decision-making frameworks, limit setting and monitoring, and internal controls.
* Ensure adherence to regulatory requirements such as MaRisk, CRR, ICAAP guidelines, and EBA regulatory expectations.
* Collaborate with cross-functional teams, including Finance, Treasury, and Risk, to align capital planning with business and risk strategy to support informed decision-making and sustainable growth.
* Continuously improve risk reporting by developing insightful analyses that support decision-making and capital adequacy discussions.
* Engage with internal and external stakeholders, including auditors and regulators, on ICAAP and capital planning matters.
Requirements:
* Mastery of finance, economics, or related field.
* 5+ years of experience in risk management, financial risk controlling, or capital planning within the banking sector.
* Strong understanding of ICAAP frameworks, stress testing, and regulatory requirements.
* Proven experience in developing and implementing risk governance frameworks, particularly in capital planning and risk appetite setting, ensuring alignment with business and risk strategy.
* Strong analytical and conceptual thinking skills, with an ability to translate complex risk concepts into actionable insights.
* Strong Excel/Google Sheets skills.
* Excellent communication skills in English, with proficiency in German a strong advantage.
About this Opportunity:
In this role, you will be responsible for overseeing and improving capital planning processes, ensuring compliance with regulatory requirements, and enhancing overall risk governance. You will play a key role in developing and implementing methodologies for capital adequacy assessment, working closely with stakeholders across the organisation.