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N26 Logo N26 · Banking

Credit Risk Senior Associate - Retail Mortgage

Germany, Berlin · Job Posted December 10, 2025
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Job Description

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage team. The core purpose is to design, implement, and manage robust data analytics and second-line process controls for the mortgage portfolio. The role emphasizes deep methodological expertise, strong SQL and Python skills, and a proactive curiosity for broader mortgage business aspects, including macroeconomic analysis of collateral and digital process controls. The Senior Associate will ensure rigorous regulatory compliance (Dutch, EU, German, especially MaRisk) and contribute to scaling the credit risk function through data-driven insights and control effectiveness.

Job Responsibility

  • Contribute significantly to the further development of N26's mortgage credit risk function
  • Play a key role in the continuous enhancement of N26's global mortgage governance framework, policies, and procedures
  • Support the further development and seamless implementation of end-to-end mortgage credit processes and criteria
  • Design, implement, and operate robust second-line control frameworks and tools for mortgage processes and the portfolio
  • Develop and maintain a resilient and accurate mortgage credit risk database
  • Conduct in-depth data analysis and support further development of quantitative models (PD, LGD)
  • Proactively run comprehensive risk analyses, including assessing the impact of macroeconomic factors on collateral values
  • Partner with Mortgage Business, Group Treasury, Capital Markets, Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments

Requirements

  • Bachelor's degree in finance, economics, mathematics, computer science, or a comparable quantitative field
  • 3+ years of experience in credit risk management, particularly with a focus on retail mortgage products, data analytics, process controls, or credit risk methodology development
  • Good understanding of key risk indicators across obligor, collateral, and portfolio levels within the mortgage domain
  • Solid understanding of processes across the entire mortgage value chain
  • Solid regulatory knowledge of Dutch (e.g., THRK), European (e.g., EBA GL LOM), and German (MaRisk, KWG) regulations
  • Proven experience in building, implementing, and running credit process controls and oversight frameworks
  • Strong proficiency in SQL
  • Fluent English

Nice to have

  • An additional qualification (e.g., Master's degree in a relevant field, passed CFA or FRM exams)
  • Previous experience in a FinTech environment
  • Experience with other programming languages like Python for quantitative analysis and model development
  • Experience with data governance and data quality management processes
  • German and/or Dutch language skills

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
  • A relocation package with visa support for those who need it
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