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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.
The successful candidate will lead a team of risk experts responsible for the complete credit risk management of the bank's treasury and investment activities.
Guide and empower a team of expert credit risk managers and analysts, fostering a culture of excellence and critical thinking while ensuring the highest quality standards are met in all credit reviews and decisions. Take responsibility for the team's execution and oversight of the credit process in line with MaRisk BTO1. This includes ensuring robust procedures for credit granting, ongoing monitoring and early warning systems, intensified and problem loan management, risk classification procedures, and loan loss provisioning.
Develop and enhance credit risk reporting, generating key insights to support the steering of the treasury portfolio in line with the bank's investment and risk strategies.
Act as a central, collaborative partner to key internal stakeholders, including Senior Management, Treasury Front Office, Treasury Operations, Finance (Accounting and Regulatory Reporting), and Risk Controlling. You will also serve as the primary contact for banking supervision authorities, leveraging your successful track record in liaising with bodies like BaFin and the Deutsche Bundesbank, as well as various internal and external auditors.
Guarantee the bank's adherence to all relevant regulations. You will be the subject matter expert on their practical implementation within our processes and systems, ensuring compliance across the board.
Bachelor's or Master's degree in Finance, Economics, Business Administration, or a comparable quantitative field. A minimum of 8+ years of professional experience in credit risk management, with a significant portion focused on treasury, capital markets, or corporate credit analysis within a regulated German or European financial institution.
You must possess expert-level, hands-on knowledge of the German and European regulatory framework for credit risk. This explicitly includes KWG, MaRisk (esp. Fluency in both German and English is mandatory for this role. Demonstrated ability to build trusted, collaborative partnerships with a wide array of senior internal stakeholders and auditors.
Familiarity with SQL is expected; knowledge of Python and proficiency in Bloomberg are beneficial.
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. A relocation package with visa support for those who need it.