CrawlJobs Logo
N26 Logo N26 · Banking

Credit Risk Senior Associate - Retail Mortgage

Germany, Berlin · Job Posted December 10, 2025
Apply Position
Job Link Share

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
N26 - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Credit Risk Senior Associate - Retail Mortgage

8 matching positions

Loss Forecasting and Stress Testing Analytics - Vice President

This is an exceptional opportunity for a developing professional to independentl...
Location
Location
India , Haryana; Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 10+ years of progressive experience in financial services, business analytics, or management consulting, with a strong emphasis on quantitative analysis
  • A post-graduate degree in a quantitative discipline such such as Statistics, Mathematics, Economics, Econometrics, Management, Operations Research, or Engineering
  • Demonstrated proficiency in analytical and automation tools (e.g., Python, SAS, VBA, Tableau) and a keen interest in leveraging AI for enhanced efficiency
  • Strong understanding of risk management principles
  • Experience with Loss Forecasting/CECL/ Stress Testing is highly preferred
  • Knowledge of the mortgage and/or retail bank industry and associated regulatory activities is a significant advantage
  • Exceptional quantitative aptitude, critical thinking, and problem-solving abilities, with a track record of delivering high-quality results
  • Excellent written and verbal communication skills, with the ability to articulate complex analytical concepts to diverse audiences
  • A strong work ethic, a collaborative spirit, and the ability to thrive in both independent and team-oriented environments
  • Bachelor’s/University degree or equivalent experience, potentially Masters degree
Job Responsibility
Job Responsibility
  • Lead Forecasting & Stress Testing: Drive the execution of quarterly loss/loan loss reserve forecasting and stress testing processes (e.g., CCAR, QMMF, Recovery Plan) for US mortgage and retail bank portfolios
  • Enhance Model Validation & Integrity: Actively participate in the review and challenge of existing models and their outputs
  • Strategic Policy Analytics: Conduct sophisticated risk policy analytics to quantify the impact of credit, business, and regulatory policies on loss performance
  • Advanced Econometric Analysis: Perform in-depth econometric analysis to estimate and articulate the influence of changing macro-economic trends on key performance indicators
  • Data-Driven Insights & Automation: Understand and analyze the key drivers of losses and loan loss reserves
  • Cross-Functional Collaboration: Partner with Risk and Finance organizations to optimize data sourcing, definition, extraction, and utilization processes
  • Process Optimization & Innovation: Identify and champion opportunities for process efficiencies through automation (using Python, VBA, SAS, Tableau)
  • Governance & Compliance Excellence: Oversee associated governance activities
  • Stakeholder Engagement & Communication: Present complex analytical findings and strategic recommendations to managers, key stakeholders, senior management, and various review, challenge, and audit teams
  • Ethical Risk Management: Consistently assess and mitigate risk in all business decisions
  • Fulltime
Read More
Arrow Right

Loss Forecasting and Stress Testing Analytics - Assistant Vice President

This is an exceptional opportunity for a developing professional to independentl...
Location
Location
India , Haryana, India, Mumbai, Maharashtra, India
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 7+ years of progressive experience in financial services, business analytics, or management consulting, with a strong emphasis on quantitative analysis
  • A post-graduate degree in a quantitative discipline such such as Statistics, Mathematics, Economics, Econometrics, Management, Operations Research, or Engineering
  • Demonstrated proficiency in analytical and automation tools (e.g., Python, SAS, VBA, Tableau) and a keen interest in leveraging AI for enhanced efficiency
  • Strong understanding of risk management principles
  • Experience with Loss Forecasting/CECL/ Stress Testing is highly preferred
  • Knowledge of the mortgage and/or retail bank industry and associated regulatory activities is a significant advantage
  • Exceptional quantitative aptitude, critical thinking, and problem-solving abilities, with a track record of delivering high-quality results
  • Excellent written and verbal communication skills, with the ability to articulate complex analytical concepts to diverse audiences
  • A strong work ethic, a collaborative spirit, and the ability to thrive in both independent and team-oriented environments
  • Bachelor’s/University degree or equivalent experience, potentially Masters degree
Job Responsibility
Job Responsibility
  • Lead Forecasting & Stress Testing: Drive the execution of quarterly loss/loan loss reserve forecasting and stress testing processes (e.g., CCAR, QMMF, Recovery Plan) for US mortgage and retail bank portfolios
  • Enhance Model Validation & Integrity: Actively participate in the review and challenge of existing models and their outputs, identifying opportunities for continuous improvement in alignment with portfolio performance and evolving macro-economic trends
  • Ensure models produce rational, logical, and accurate outcomes
  • Strategic Policy Analytics: Conduct sophisticated risk policy analytics to quantify the impact of credit, business, and regulatory policies on loss performance, seamlessly integrating these insights into the stress testing framework
  • Advanced Econometric Analysis: Perform in-depth econometric analysis to estimate and articulate the influence of changing macro-economic trends on key performance indicators such as portfolio losses and delinquency rates
  • Data-Driven Insights & Automation: Understand and analyze the key drivers of losses and loan loss reserves, their relative importance, and current trends
  • Leverage this knowledge to generate meaningful and accurate forecasts
  • Cross-Functional Collaboration: Partner with Risk and Finance organizations to optimize data sourcing, definition, extraction, and utilization processes, continuously improving our analytical capabilities
  • Process Optimization & Innovation: Identify and champion opportunities for process efficiencies through automation (using Python, VBA, SAS, Tableau), simplification of underlying data, forecasting, and reporting processes, including the innovative application of Citi AI solutions
  • Governance & Compliance Excellence: Oversee associated governance activities (Manager Control Assessment, End User Computing, Activity Risk Control Monitoring), ensuring best-in-class practices for documentation, version control, and central results summaries
  • Fulltime
Read More
Arrow Right
New

IT Training Lead

The IT Training Lead will drive technology learning and user adoption across the...
Location
Location
United States , Delray Beach
Salary
Salary:
Not provided
https://www.roberthalf.com Logo
Robert Half
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Experience in IT training, instructional design, technical enablement, or learning and development
  • Strong knowledge of Microsoft 365
  • Excellent communication, facilitation, and content development skills
  • Ability to translate technical concepts into practical, user-friendly training.
Job Responsibility
Job Responsibility
  • Design, develop, and deliver IT training programs in instructor-led, virtual, and self-paced formats
  • Take lead in the Microsoft Copilot and AI training strategy, including onboarding, advanced use cases, responsible AI usage, and ongoing enablement
  • Partner with IT leadership to support new technology rollouts, system upgrades, and digital transformation initiatives
  • Create and maintain training content, including videos, guides, tutorials, and job aids
  • Identify skill gaps and develop targeted learning solutions to improve adoption and productivity
  • Gather feedback and measure training effectiveness to continuously improve programs.
Read More
Arrow Right
New

K Kitchen Representative

The position includes, but is not limited to, the following essential job duties...
Location
Location
United States , New Albany
Salary
Salary:
Not provided
https://www.circlek.com Logo
Circle K
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Excellent communication skills
  • Team player who can work well with others or independently
  • Acts with integrity
  • keeps commitments
  • Contagious positive attitude
  • Focuses on achieving results while having fun
  • Frequently bend, twist at waist, kneel, squat, stand, and walk
  • Occasionally climb and descend ladders
  • Tolerate extreme cold and hot temperatures and work in and around fryers, ovens, grills, coolers, freezers, sharp objects, and loud noises
  • Reach, grasp, and manipulate objects with hands for entire shift, including reaching for objects overhead
Job Responsibility
Job Responsibility
  • Provides excellent guest service in a fast and friendly manner
  • Maintains a clean restaurant environment by cleaning and performing general housekeeping duties
  • Prepares and serves food items in accordance with all Brand, Company, and health department regulations
  • Ensures product quality, food safety, and operational standards are met
  • Keeps accurate cash, sales, and inventory control records
  • Follows all government laws and safety codes
  • Completes reports on all incidents following our 5-minute rule policy
  • Lives our Company values: One Team, Do the Right Thing, Takes Ownership, Play to Win
What we offer
What we offer
  • Medical, Dental, Vision, Term Life and AD&D plans
  • Flexible spending and health savings accounts (FT)
  • Vacation paid time off
  • Company holidays paid at time and a half
  • Matching 401(k)
  • Tuition Reimbursement
  • Stock Purchase Plan
  • Employee Discount Program
  • Discount Meal Benefit
  • Wellness Plan
Read More
Arrow Right
New

K Kitchen Representative

Location
Location
United States , Decatur
Salary
Salary:
Not provided
https://www.circlek.com Logo
Circle K
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Excellent communication skills
  • Team player who can work well with others or independently
  • Acts with integrity
  • keeps commitments
  • Contagious positive attitude
  • Focuses on achieving results while having fun
  • Frequently bend, twist at waist, kneel, squat, stand, and walk
  • Occasionally climb and descend ladders
  • Tolerate extreme cold and hot temperatures and work in and around fryers, ovens, grills, coolers, freezers, sharp objects, and loud noises
  • Reach, grasp, and manipulate objects with hands for entire shift, including reaching for objects overhead
Job Responsibility
Job Responsibility
  • Provides excellent guest service in a fast and friendly manner
  • Maintains a clean restaurant environment by cleaning and performing general housekeeping duties
  • Prepares and serves food items in accordance with all Brand, Company, and health department regulations
  • Ensures product quality, food safety, and operational standards are met
  • Keeps accurate cash, sales, and inventory control records
  • Follows all government laws and safety codes
  • Completes reports on all incidents following our 5-minute rule policy
  • Lives our Company values: One Team, Do the Right Thing, Takes Ownership, Play to Win
What we offer
What we offer
  • Medical, Dental, Vision, Term Life and AD&D plans
  • Flexible spending and health savings accounts (FT)
  • Vacation paid time off
  • Company holidays paid at time and a half
  • Matching 401(k)
  • Tuition Reimbursement
  • Stock Purchase Plan
  • Employee Discount Program
  • Discount Meal Benefit
  • Wellness Plan
Read More
Arrow Right
New

Restaurant Assistant Manager

This position assists the Restaurant Manager (RM) with daily operations of the r...
Location
Location
United States , Holly Springs
Salary
Salary:
Not provided
https://www.circlek.com Logo
Circle K
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Full time required
  • availability during all hours of operation and at least one hour pre-opening and post-closing required
  • Valid state Driver's License required
  • Excellent communication skills
  • Motivates, coaches, and leads team members
  • Acts with integrity
  • keeps commitments
  • Contagious positive attitude
  • Focuses on achieving results while having fun
  • Ability to gain control during stressful situations
Job Responsibility
Job Responsibility
  • Assists the Restaurant Manager with daily operations of the restaurant and supervises the team in their absence
  • Leads and coaches Restaurant Team Members and partners with the management team to maintain the Company and Brand operational standards
  • Provides excellent guest service in a fast and friendly manner
  • coaches and corrects team
  • Conducts second interviews for team members and shift leads
  • Maintains a clean restaurant environment by cleaning and performing general housekeeping duties
  • Assigns shift duties to team members and follows up to ensure completion
  • Directs team and ensures all food items are prepared and served in accordance with all Brand, Company, and health department regulations
  • Coaches team members to follow guidelines for food preparation and production management
  • Cascades relevant information to team members and assists with new product training
What we offer
What we offer
  • Unlimited tip pooling
  • Medical, Dental, Vision, Term Life and AD&D plans
  • Flexible spending and health savings accounts
  • Short-Term Disability
  • Vacation paid time off
  • Company holidays paid at time and a half
  • Matching 401(k)
  • Tuition Reimbursement
  • Stock Purchase Plan
  • Employee Discount Program
  • Fulltime
Read More
Arrow Right
New

Plant Operator - Crushing and Screen

Are you an experienced and ticketed Machine Operator looking for stable, high-ho...
Location
Location
Australia , Petrie
Salary
Salary:
42.00 - 52.00 AUD / Hour
https://www.randstad.com Logo
Randstad
Expiration Date
July 09, 2026
Flip Icon
Requirements
Requirements
  • Proven Experience working in a quarry, concrete recycling, or heavy industrial yard
  • Current tickets for Front-End Loader (LL) and Excavator (LE)
  • Truck License: Heavy Rigid (HR) or higher is highly regarded
  • Reliability with strong work ethic and punctuality
  • Own reliable vehicle and current driver's license
Job Responsibility
Job Responsibility
  • Safe and efficient operation of heavy machinery in a fast-paced recycling and quarry environment
  • Operating Front-End Loaders
  • Operating Excavators utilized as material handlers
  • Operating Moxy (Articulated Dump Trucks) and other yard machinery as required
  • Assisting with daily machinery pre-starts, basic maintenance, and ensuring the yard runs smoothly
  • Adhering strictly to site health and safety protocols
What we offer
What we offer
  • Top Rates: $42.00 to $52.00 per hour + overtime penalties
  • Big Hours: Consistent 40 to 55-hour work weeks
  • Career Progression: Pathway from casual to permanent full-time employment within 3-6 months
  • Local Work: Convenient Brisbane Northside location (Petrie)
  • Immediate Start
  • Fulltime
Read More
Arrow Right

Graduate Student Instructors

Location
Location
United States , Ann Arbor
Salary
Salary:
Not provided
umich.edu Logo
University of Michigan
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Enrolled in good standing as a graduate student at the University of Michigan
  • Available to teach the scheduled section times
  • Have previously taken at least 1 philosophy course (or equivalent course) in this general area as an undergraduate or graduate student, and have demonstrated expertise and interest in subject area
  • Experience with Canvas
  • If the language of instruction at a student's undergraduate institution was not English, they must be evaluated by the English Language Institute (ELI) for English proficiency and either pass the GSI-OET or have this test waived by the ELI before they can be eligible for a GSI appointment in LS&A.
Job Responsibility
Job Responsibility
  • Attend all lectures and exams for your preferred course
  • Run discussion sections as scheduled
  • Hold at least 2 office hours each week
  • Grade assignments, per lead faculty instruction
  • Meet weekly with the lead instructor, and respond promptly to emails
  • Additional items listed in fraction calculation form
  • Parttime
Read More
Arrow Right