The opportunity
With the financial sector facing significant digital transformation and heightened competition, N26 is seeking a focused leader to spearhead the expansion of our strategic Lending division.
What you'll do
Drive Sustainable Product Growth: define and execute the long-term retail lending strategy to expand the customer base, unlock new opportunities, and sustainably increase product adoption.
Own the Roadmap and P&L: take full ownership of the consumer lending product roadmap, from defining product future direction, priorities and product timeline and features to ensuring the cross-functional team meets deliverables and deadlines. You will own the outcomes of the P&L and work closely with Credit Risk teams to shape and grow the lending portfolio.
Team Management and Leadership: architect and scale an efficient lending organization, design high-performing team structures, establish clear governance, and embed success metrics across all areas of responsibility.
Strengthen Cross-Functional Collaboration: become a connective tissue between Product, Credit Risk, Operations and Data Science, deeply understanding underlying credit risk models to ensure robust, compliant, and data-driven lending decisions.
Market Development and Acceleration: scale market penetration and portfolio growth by identifying systemic levers that expand customer adoption of N26 lending products.
Strategic Product & Business Leadership: a proven track record in senior Product Management leadership, P&L ownership, demonstrating a balance of a strong product mindset and high-level business acumen. You are proficient in translating complex product strategies into scalable commercial success and measurable P&L growth.
What they're looking for
- Lending Domain Expertise: proven experience in banking, fintech, or the broader lending space (e.g., credit lines, BNPL, loans, mortgages etc).
- Team Leadership: you possess proven ability to build, nurture and grow high performing teams and you can create an innovative environment where top-tier talent can thrive and deliver exceptional business results.
- Data & P&L Fluency: you are deeply data-driven, possess a strong understanding of P&L management, and know how to use data to make sharp product decisions that move the needle for the business.
- Stakeholder Management and Cross-functional Collaboration: you are comfortable working closely with different areas of the organization. Navigating between Product, Engineering, Credit Risk Management, Data Science and Operations, you can communicate effectively, manage expectations and balance human and operational resources.
