Business Associate - Savings & Lending

About the opportunity

We are seeking a highly driven Business Team Associate to join our team in Berlin/Barcelona.

Here, you will have the unique opportunity to work at one of Europe’s most exciting Fintechs  and contribute to our growth and expansion in a cross functional team. You will collaborate closely with both internal and external stakeholders to drive business strategies and operational change, as well as ensuring that N26 is a compliant and trusted bank. The scope of Lending & Savings team includes all bank lending products such as overdraft, consumer credit and instalment loans) and deposits.

In this role, you will:

• Become a subject matter expert for your segment and understand the in and outs of the business, its infrastructural setup and related processes

• Proactively assess business performance and identify opportunities for strategic growth and innovation

• Prepare business cases to assess cost and  impact of potential opportunities

• Support high-impact initiatives end-to-end from initial strategic design to delivery execution as well as ongoing improvement and management

• Be responsible for monitoring and analysing the external providers’ performance and ensure key KPIs and SLAs are meeting the company goals

• Own the relationship and performance of strategic external providers in the segment and ensure optimal performance and successful collaboration

• Become the connective tissue between other departments at N26, including Product & Tech, Data Analytics, Growth, Compliance, Legal, Accounting & Finance, Operations, Fraud, and Trust & Safety

• Contribute to the definition of strategic objectives at both segment and team level

• Fully leverage and further develop critical business skills, including quantitative and qualitative analysis, vendor management, stakeholder and project management and leadership in a high-functioning segment environment

What you need to be successful:

Background: 

• You have 3+ years of experience in consulting, startups, banking or corporate strategy roles (not including internships)

• You have experience leading cross-functional projects end-to-end (from ideation to execution) and collaborating with diverse teams to drive strategic outcomes

• You have experience putting together business cases and making data-driven recommendations

• You have experience in conducting research and analysis on market trends, competition, and customer behaviour

• You have proven vendor management experience and ability to work with internal and external stakeholders

• You have at least graduated with a Bachelor degree in Economics, Business Management, Finance, Accounting, Mathematics, or a related field from a top-tier university

• Experience in working with lending and credit products is a strong plus

Skills: 

• Ability to collaborate with diverse stakeholders across departments to develop ideas, identify opportunities and resolve conflicts

• Ability to understand key business drivers and proactively recommend solutions that can be effectively supported by data

• A growth mindset and agile approach to problem-solving are key

• You possess exceptional analytical and Excel skills

• You have a strong understanding of SQL and are able to independently acquire relevant data and generate insights

• You have strong visualisation and storytelling skills with Powerpoint

• Passion for the banking industry and an interest in deepening your knowledge on how N26 works

Traits:

• You understand the N26 business model and want to make a difference!

• You work well within a fast-paced and demanding environment

• You have strong bias for action

• You are comfortable giving and receiving open, direct and timely 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. 
• 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 backgrounds. 
• 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.