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N26 is looking for a Retail Credit Risk Manager to further develop the credit risk function at a cutting-edge technology-driven bank, spearheading the development of our analytical solutions and credit risk models for (Unsecured) Retail Lending, based on state-of-the-art methods and technology, as well as latest regulations in cooperation with leading business and tech experts, and taking a key role in assessing, controlling and reporting credit risks.
Job Responsibility:
Drive the evolution of retail credit risk frameworks
Steer model governance and innovation
Oversee portfolio health and provisioning
Implement cutting-edge process controls
Master Data Management
Ensure regulatory compliance and operational excellence
Lead and develop a high-performing team
Requirements:
5+ years of experience in Credit Risk Management within the retail segment
BSc/MSc in a quantitative field such as Applied Mathematics, Natural Sciences, Quantitative Finance, Statistics, Econometrics, or Engineering
Genuine industry expertise in retail credit risk management for the European market
Ability to build and manage the End-to-End (E2E) credit process cycle
Responsible for the oversight of portfolio health
Proven experience in the governance and usage of credit risk modeling (PD, LGD, CCF, Debt-Servicing Ability)
Strong technical background in Python and SQL with solid data management skills
Strong regulatory expertise regarding prudential regulations as well as consumer and data regulations
Fully fledged credit risk manager with strong leadership skills
Fluent in English with excellent communication skills
Nice to have:
Proficiency in German is considered an advantage
Additional qualifications (e.g. PhD, FRM) are a plus
What we offer:
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
Subscriptions for friends and family members
Additional day of annual leave for each year of service
A high degree of autonomy and access to cutting edge technologies