Credit Risk Senior Associate - Retail Mortgage - Relocation to Berlin

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage team. The role emphasizes deep methodological expertise with data processing tools (SQL, Python, R) and a proactive curiosity for broader mortgage business aspects, including macroeconomic analysis of collateral and digital process controls.

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
• Strong proficiency in SQL for data extraction, manipulation, and analysis; experience with other programming languages (like Python or R, or other data processing tools) for quantitative analysis and model development is a significant advantage
• Solid knowledge of European regulations (e.g. EBA), exposure to Dutch mortgage regulations (e.g., THRK) or German (MaRisk, KWG) regulations being advantageous; successful track record of understanding their implementation and liaising with supervisory authorities is a strong plus
• Strong analytical and quantitative skills, with the ability to independently generate actionable insights from complex data
• Experience with data governance and data quality management processes is a strong plus
• Fluent English (German and/or Dutch is a plus)

Benefits

• Competitive personal development budget
• Work from home budget
• Discounts to fitness & wellness memberships, language apps and public transportation
• Premium subscription on personal N26 bank account
• Subscriptions for friends and family members
• Additional day of annual leave for each year of service
• Relocation package with visa support for those who need it