About the opportunity

N26 is looking for a Risk Associate to support the further development of the risk controlling function at a cutting-edge technology-driven bank. In this role, you will have the opportunity to learn and contribute to assessing, controlling, and reporting N26's risks.

In this role you will:

• Support senior colleagues in establishing risk management and control tools.
• Assist in the implementation and adherence to regulatory requirements for risk controlling (e.g., MaRisk, ICAAP guidelines, EBA guidelines, MaSan, SAG).
• Contribute to running and improving the risk management and risk controlling of the N26 group (including 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.
• Support capital planning and the derivation of relevant stress tests and their parameters.
• Further develop risk reporting at N26 group and continuously contribute to generating 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
• Eagerness to learn about regulatory requirements (e.g.,  MaRisk, CRR, ICAAP guidelines, MaSan, SAG)
• 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
• 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
• Excellent proficiency in Excel and/or Google Sheets, including the ability to work with complex datasets and create insightful reports.
• Excellent English communication skills, both verbal and written, are essential. Given the German regulatory environment, German language skills are a strong plus.

Traits:

• Strong ownership and a proactive attitude.
• Curiosity and a drive to continuously learn and improve.
• Passion for data and problem-solving.
• Flexibility and adaptability in a fast-changing environment.
• Team player with a willingness to actively support colleagues.
• Openness to 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. 
• 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.