Strategy & Operations Associate - Lending

About the opportunity

We are seeking a highly driven Business Team Associate to join our Strategy and Operations team.

• Do you have hands-on leadership experience with Retail Lending projects?
• Do you love solving complex problems using SQL for data analysis, creating business cases, as well as P&L, and KPI monitoring?
• Do you enjoy complex project management and aligning with multiple stakeholders on complex Lending products?

Here, you will have the unique opportunity to work at one of Europe’s most exciting Fintechs and contribute to our growth and expansion in a cross functional team. You will be responsible for ensuring the successful delivery of Product initiatives through project management, external partner management and ensuring maximum performance of our different Lending products using data analysis and KPI tracking.  You will have the unique opportunity to work on complex projects such as launching new product features while driving business strategy and operational change. 

In this role, you will:

Strategic Leadership & Execution:

• Lead high-impact Lending initiatives end-to-end, from strategic design through to execution and continuous improvement.
• Contribute to the definition and execution of strategic priorities for both the team and the overall Lending segment.
• Build data-driven business cases to evaluate the impact and feasibility of strategic initiatives and new products - Including SQL deep dives and budget building 

Product Optimization & Steering: 

• Oversee the full lifecycle of N26 Lending products, utilizing quantitative and qualitative analysis for continuous optimization.
• Analyze business performance to identify opportunities for growth, optimization, and innovation. 
• Monitor product and project performance using data and insights to drive informed decision-making.
• Develop deep expertise in the Lending segment, including its business KPIs, infrastructure, and operational processes.

Stakeholder Management:

• Act as the central point of contact between internal and external stakeholders, including Product & Tech, Legal & Compliance, Customer Operations, Banking Operations, Marketing, and external partners.

What you need to be successful:

Background: 

• Professional Experience:  4+ years prior experience in financial services - fintech/banking, investment banking, or startups. Direct experience in the Credit field is a big plus
• Education: Bachelor's degree in a quantitative or business field (Finance, Economics, Math, etc.) from a top-tier university
• Project Management: Proven track record of leading large, cross-functional projects end-to-end and managing senior stakeholders.
• Vendor Management: Established experience in vendor management, contract negotiation, and partner performance evaluation.

Technical & Analytical Skills:

• Data Mastery: Advanced Excel and SQL skills are mandatory - you must be able to independently source data and derive insights.
• Strategic Analysis: Ability to build complex business cases and conduct deep-dive research into market and competitor trends 
• Communication: Outstanding storytelling and visualization skills, with a high proficiency in Google Presentation

Core Competencies

• Agility: Highly organized with the ability to navigate shifting priorities and tight deadlines.
• Collaboration: A "connective tissue" mindset, capable of mediating between Product, Tech, Legal, and Operations.
• Mindset: Proactive problem-solver with a genuine passion for the banking industry and N26’s business model.

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, 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.    
• Vacation days vary depending on your location of work. 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.  Founded in 2013, N26 now has 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Besides the main offices, N26 also has local offices in Paris, Madrid, Milan, and São Paulo.

Sounds good? Apply now for this position.

N26 is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status or disability status.