About the opportunity

Are you ready for your next career step? N26 is looking for a Senior Risk Associate to further develop the risk control function at a cutting-edge technology-driven bank. In this role, you will establish risk management and control tools and drive the development of risk models as well as the implementation of latest regulations. You will take a key role in assessing, controlling, and reporting N26's risks.

In this role you will

• Be a key contributor to further developing N26 risk management in order to accommodate N26 growth and risk leadership aspirations

• Support the implementation and adherence to regulatory requirements for risk controlling (e.g. MaRisk, ICAAP guidelines, EBA guidelines, MaSan, SAG)

• Support running and improving the risk management and risk controlling of the N26 group (incl. recovery plan, RWA calculation, risk appetite, risk policies and decision making frameworks, limit setting and monitoring, internal controls)

• Support performing and further developing risk inventory according to new business areas and the incorporation of ESG risks

• Contribute to capital planning and the derivation of relevant stress tests and their parameters

• Further develop risk reporting at N26 group and continuously generate insights to support steering in accordance with the risk and business strategies

What you need to be successful

Background & Skills

• Master’s degree in business/economics or similar

• First professional experience from internships in financial services and risk management

• Experience in risk reporting and solid understanding of the overall ICAAP and relevant methods (e.g., risk bearing capacity, risk inventory, capital planning, recovery plan) is a strong plus

• Prior knowledge in German regulation (e.g., MaRisk, CRR, ICAAP guidelines, MaSan, SAG) is a plus

• Programming skills in Python are a plus

• Detail oriented and reliable with a professional attitude, as you will contribute to sensitive risk controlling topics on which management decisions are made

• Strong analytical, organizational skills with ability to meet tight time schedules

• Ability to recognize and resolve problems, identify issues and proactively work towards resolution

• Ability to communicate in German and English effectively, both orally and in writing, as you will be dealing with German regulation and working in an international environment

Traits

• Strong topic ownership and bias for action

• Critical thinking and drive to improve the status quo

• Passion for data and complex problem-solving

• Both attention to details and strong conceptual thinking

• Flexibility in a fast-changing environment

• Actively help yourself and the team be successful

• Will to continuously learn and act upon direct feedback

What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation. 
• Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence.
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as 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 - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses. 
• A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. 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. 

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Sounds good? Apply now for this position.

Equal Opportunities:

We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.

We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to candidate.exp@n26.com. 

Visit our website to learn more about Diversity, Equity, & Inclusion at N26.