Contribute significantly to the further development of N26's mortgage credit risk function, aligning with N26's growth aspirations, robust risk management objectives, and stringent regulatory compliance requirements within the retail mortgage business. This includes, but is not limited to, loan granting, comprehensive collateral management, sophisticated monitoring, proactive early warning systems, intensified and problem loan management, and accurate loan loss provisioning. * 3+ years of experience in credit risk management (experience with retail mortgages is an advantage), data analytics, process controls, or credit risk methodology development. * Solid understanding of processes across the entire mortgage value chain (e.g., credit decisioning, monitoring, early warning, intensified and problem loan management). * Experience with data governance and data quality management processes is a strong plus.
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