Credit Risk Senior Associate - Retail Mortgage Job at N26 (Berlin)

Credit Risk Senior Associate - Retail Mortgage

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage ...

Location

Germany , Berlin

Salary:

Not provided

N26

Expiration Date

Until further notice

Requirements

Bachelor's degree in finance, econometrics, statistics, mathematics, computer science, or a comparable quantitative field
3+ years of experience in credit risk management (experience with retail mortgages is an advantage), data analytics, process controls, or credit risk methodology development
Proven experience in building, implementing, and running credit process controls and oversight frameworks
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 (e.g., credit decisioning, monitoring, early warning, intensified and problem loan management)
Solid knowledge of European regulations (e.g. EBA)
Strong proficiency in SQL for data extraction, manipulation, and analysis
Solid knowledge of credit risk methodology, including PD/LGD models, debt-servicing ability, and advanced collateral valuation techniques
Strong analytical and quantitative skills
Fluent English

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 and broader portfolio performance
Partner with Mortgage Business, Group Treasury, Capital Markets, Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments

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

New

Vice President or Senior Director, Credit Risk

KOHO is seeking an exceptional leader in Credit Risk who combines strategic visi...

Location

Canada

Salary:

225000.00 - 325000.00 CAD / Year

KOHO

Expiration Date

Until further notice

Requirements

15+ years of experience in credit risk, including 7+ years in a leadership role
Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments
Proven track record building credit risk functions through high growth phases
Experience managing managers and directors across modeling, strategy, and risk analytics
Expert knowledge of credit data, scoring systems, and risk governance frameworks
Proven track record influencing senior stakeholders and working cross-functionally
The ability to communicate complex credit risk concepts to diverse audiences
Hands-on experience with risk infrastructure, decision engines, and reporting tools
Excellent written and verbal communication skills with the ability to present to the Board and executive leadership
Passion for developing inclusive teams and mentoring talent

Job Responsibility

Architect and execute KOHO’s credit risk strategy across all lending products
Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance
Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery)
Define and monitor key credit risk metrics, portfolio trends, and early warning indicators
Drive data-driven decision-making in product development, pricing, and growth initiatives
Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors
Partner with Finance on portfolio forecasting and debt facility management
Lead regulatory examinations and maintain relationships with regulators on credit risk matters
Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning
Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Fulltime

New

Product Designer

Cape is looking for a Product Designer to expand our current 2-person design tea...

Location

United States , New York

Salary:

Not provided

Cape

Expiration Date

Until further notice

Requirements

5–7+ years of experience designing digital products across mobile and web
A portfolio that demonstrates strong UX and visual design skills across 2-3 different in-depth case studies
Experience designing for at least one enterprise/B2B product
Proficiency in Figma and Adobe Creative Suite
Hands-on experience building and scaling end-to-end design systems
Great attention to detail and a strong eye for visual craft, such as composition, typography, and layout
Prior startup experience or demonstrated ability to navigate ambiguity, define project scope, and prioritize work in a fast-paced environment with competing priorities
Interest in privacy and security

Job Responsibility

Design and ship high quality product experiences – everything from low-friction consumer onboarding to network security monitoring tools for enterprises
Lead rapid, iterative design sprints, incorporating feedback from stakeholders, driving towards the most impactful product changes as quickly as possible
Translate complex privacy and security features into visually compelling product experiences
Own entire product areas and take responsibility for ensuring we are improving the usability and design of that product area over time
Build, maintain, and extend design system components to support growth and cross-product cohesion
Partner with marketing, sales and BD to craft compelling visual stories that carry through the entire customer journey – from our ads, socials, pitch decks, website, through to our products
Participate in design critiques, product QA, and strive to continually raise the bar in terms of product and design quality
Create quick prototypes and conduct iterative user testing to validate ideas and uncover new opportunities
Collaborate closely with engineering across iteration, handoff, and QA to ensure designs are implemented with quality and intent

What we offer

401(k) match
100% coverage of medical, dental, and vision premiums for you and your dependents
12 weeks paid parental leave (for all parents, no waiting period)
Stipends for Family-forming needs
Stipends for Gender-affirming care
Unlimited PTO

Fulltime

New

General Warehouse Clerk

Moves material within a warehouse or storage facility to and from the loading pl...

Location

United States , Houston

Salary:

Not provided

Rentokil Initial

Expiration Date

Until further notice

Requirements

High school diploma or general education degree (GED) preferred
Skill in communicating with others
Skill in working on a team and maintaining a sense of teamwork
Skill in applying basic mathematics to warehouse tasks
Skill in applying attention to detail when completing paperwork
Skill in safely operating motorized warehouse equipment
Skill in applying fundamental principles of position while loading and stocking
Ability to lift 50 pounds
Ability to work at heights of up to 36 feet in the air
Ability to work in an environment with frequently changing temperatures

Job Responsibility

Accurately pulls, checks, and ships all product and equipment orders to customers, branches, franchisees
Accurately performs all required checks and completes any paperwork required to complete the order, checking, and shipping procedures
Utilizes company-approved computer software necessary to complete job function, and is prepared to manually perform computer-related tasks in absence of operational computers, printers, and/or software
Immediately receives all freight deliveries in the presence of the delivery agent
Immediately reports any shortages and/or product damage to Supervisor, Distribution Center Manager, and Delivery Agent
Stocks received shipments upon Supervisor's approval
Ensures all products are properly rotated when receiving shipments
Ensures all pickable product locations are adequately stocked and ready
Obtains and utilizes a forklift certification
Properly maintains motorized warehouse equipment

What we offer

Health benefits including Medical, Dental, Vision, Disability, and Life Insurance plus much more
401(k) retirement plan with company-matching contributions
Vacation days & sick days
Company-paid holidays & floating holidays
Training and development programs available
Tuition Reimbursement benefits (for FT Colleagues)

Fulltime

New

Operations Manager

We're looking for an Operations Manager to build and scale Casa's operations in ...

Location

United States , San Francisco

Salary:

Not provided

Casa

Expiration Date

Until further notice

Requirements

5+ years in operations, marketplaces, logistics, or similarly fast-moving, metrics-driven environments
Experience running operations through frontline managers or leads, not just individual contributors
A systems mindset – you diagnose root causes, eliminate inefficiency, and build repeatable processes
Willingness to be in the field – you learn best by getting close to the work where it's happening

Job Responsibility

Build and manage the SF field team. Recruit, hire, and coach handymen and specialists. Set clear performance standards, develop talent, and ensure every Casa handyman visit is consistent and trust-building. You’ll establish clear processes, performance benchmarks, and coaching loops to develop strong individual contributors and future leaders
The local vendor partner ecosystem. Build and manage relationships with handymen, trade vendors, and partners – setting clear expectations, negotiating where appropriate, and holding partners accountable to quality, cost, and reliability standards. You might also drive member acquisition through community events, partnerships, and grassroots marketing
Own local operational performance and use data to improve operations. Track and improve visit completion, on-time execution, quality, cost, handyman productivity, and homeowner satisfaction. Build lightweight tracking systems, review KPIs daily, and translate insights into process and staffing improvements

Fulltime

New

Business Development Representative

Dandy is transforming the massive and antiquated dental industry. We’re building...

Location

United States , New York

Salary:

65000.00 USD / Year

Dandy

Expiration Date

Until further notice

Requirements

1-2+ years of professional sales experience in a high-growth environment
Experience with cold calling (SMB targets are a big plus)
Commitment to continuous improvement and desire to learn new sales concepts via rigorous trainings
Ability to punch through ambiguity and ramp up quickly
Experience with standard sales tools and a desire to explore and implement new tools to further streamline the sales process
Overall track record of professional and academic success

Job Responsibility

Serve as the initial point of contact to a wide range of dental practice prospects
Utilize email, phone, and other creative channels to reach prospective clients through outbound tactics
Track your sales activity using Salesforce and other software tools
Overcome objections, pitch the Dandy value proposition, and move prospects forward in the sales process
Work seamlessly with senior sales leadership to meet high-level KPIs and revenue targets
Partner with Account Executives on client handoffs

What we offer

Offers Equity
Commission
Healthcare
Dental
Mental health support
Parental planning resources
Retirement savings options
Generous paid time off

Fulltime

New

Sr. Staff Software Engineer, Platform

A strong and reliable platform is essential to scaling Sentry for the future. Ou...

Location

United States , San Francisco

Salary:

240000.00 - 320000.00 USD / Year

Sentry

Expiration Date

Until further notice

Requirements

12+ years of experience building large-scale distributed systems
5+ years working in cloud-based environments (AWS, GCP, etc.)
3+ years in a technical architecture or equivalent leadership role
Proven track record of leading cross-team, high-impact engineering projects
Ability to create production-quality proof-of-concept architectures and write high-quality code
Deep knowledge of modern infrastructure technologies, including: Kubernetes, Terraform, Service Mesh
Kafka and real-time streaming frameworks (e.g., Flink, Beam)
OLAP/OLTP databases, blob storage, caching
Excellent communication skills, with the ability to clearly explain complex technical concepts to a range of stakeholders
Experience mentoring senior/staff-level engineers

Job Responsibility

Architect the future of Sentry by translating business needs and product strategy into clear, scalable technical blueprints
Partner with product and engineering leaders to align technical roadmaps with company goals
Lead cross-cutting initiatives across the Platform org—owning them end-to-end and driving meaningful outcomes
Promote engineering excellence by mentoring platform engineers, sharing best practices, and setting high standards for system design, scalability, and operational quality
Review major architectural proposals and help ensure consistency, maintainability, and long-term technical health across the company

What we offer

Offers Equity
Offers Bonus
incentive compensation
equity grants
paid time off
group health insurance coverage

Fulltime

New

Electrical Engineer IV, Data Center Design

Rowan Digital Infrastructure is looking for an Electrical Engineer 4 to join our...

Location

United States , Denver

Salary:

165000.00 - 185000.00 USD / Year

Rowan Digital Infrastructure

Expiration Date

Until further notice

Requirements

Bachelor’s degree in electrical engineering or related field
10+ years’ overall experience with 5+ years’ of technical data center design and delivery experience
Licensed Professional Engineer
Experience delivering complex electrical projects through design, construction, commissioning, and operation
Experience working with external stakeholders including AHJ’s and utilities
Experience communicating with senior leaders and executives at all levels of the organization
Knowledge of transmission, substation, distribution, and data center industry and trends
Strong analytical and problem-solving skills
Ability to work effectively in a fast-paced, and highly cross-functional environment
Excellent communication and collaboration skills

Job Responsibility

This role is for an electrical data center design lead to mold strategy, design, and deployment of Rowan turnkey and Build-to-Suit hyperscale data centers as well as providing leadership to the team successfully delivering data center infrastructure
Lead internal and external teams to decisions and drive to outcomes
Lead, direct, and manage consultants in the design, procurement, construction and implementation of Rowan hyperscale data centers. Identify risks during all stages of the project lifecycle
As a technical SME, mold design, project scope, schedule, and deliverables to meet client and Rowan requirements
Partner with procurement to deliver the equipment required for the success of Rowan projects
Support RFPs for electrical infrastructure design, construction, and operations. Review bids for conformance with the requirements of the RFP. Provide clarification on technical requirements
Integrate with the energy team to coordinate with the identified utilities. Act as the technical liaison between the consultant and the utility
Support the growth of the engineering team and of Rowan through the ownership of transmission, substation and distribution standardization to jumpstart internal and external teams
Demonstrate a customers are our North star mentality. Earning, nurturing, and creating trust and relationships with utilities and client technical experts
Mentor the engineering team to grow the teams collective expertise

What we offer

Hybrid working environment
Team building and educational opportunities
Generous benefits package including robust health benefits and a 401(k) company contribution
Unlimited PTO
Competitive compensation and bonus plan

Fulltime

Credit Risk Senior Associate - Retail Mortgage

N26

Location:
Germany , Berlin

Category:
Banking

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
December 10, 2025

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Credit Risk Senior Associate - Retail Mortgage