The opportunity
We are seeking an Associate Credit Risk Management to join our Credit Back Office team. The Credit Back Office function serves as an essential control and operational pillar, responsible for credit analysis, rating and decision-making for risk-relevant exposures, maintaining…
What you'll do
Support N26 Bank’s credit back office function (MaRisk BTO1.1), including: credit analysis, rating and voting for single risk-relevant exposures, and decision authorities in line with the Credit Risk Policy
Support the credit processes and controls, to ensure quality of end-to-end: credit processes including underlying risk assessment instruments (internal/external rating, debt-servicing ability, monitoring, and early warning systems) and robust 2nd line process controls
Support the credit risk reporting and loan loss provisioning approach through: ensuring the integrity and functionality of credit risk database serving as the source for credit portfolio monitoring, reporting, and loan loss provisioning (IFRS 9), including model performance monitoring and process controls
Support regulatory compliance approaches through ensuring compliance with: applicable law and regulation (incl. KWG, MaRisk, CRR, EBA Guidelines/RTS) in credit risk-taking activities across the Group
A Bachelor’s or Master’s degree
Foundational understanding of credit risk principles, financial statement: analysis, and credit processes (prior internships or practical experience in banking or financial services is a plus, but not required)
What they're looking for
- Basic understanding of banking regulations and credit guidelines (e.g., MaRisk, KWG, CRR, EBA Guidelines)
- Strong analytical, numerical, and conceptual skills with acute attention to detail
- Data literacy and familiarity with handling financial datasets or credit databases
- Strong communication skills and the ability to collaborate effectively across cross-functional teams
