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Credit Risk Manager (Retail Lending)(m/w/x)
Optimizing decision engines and applying machine learning for retail credit risk on a digital banking platform. European retail credit risk market expertise and 5+ years experience required. Personal development and work from home budgets provided.
Anforderungen
- 5+ years Credit Risk Management experience
- Experience in Retail Bank or high-growth environment
- BSc/MSc in a quantitative field
- PhD or FRM qualification is advantageous
- European retail credit risk market expertise
- Ability to manage E2E credit processes
- Expertise in IFRS 9 loan loss provisioning
- Experience in credit risk modeling governance
- Application of Machine Learning to credit
- Strong technical background in Python and SQL
- Expertise in prudential and consumer regulations
- Strong leadership and team development skills
- Fluent English and excellent communication skills
- Proficiency in German is advantageous
- Rigorous critical thinking and improvement drive
- Excellent communication and presenting skills
- Passion for data and problem-solving
- Attention to detail and conceptual thinking
- Flexibility in fast-changing environments
- Proactive support for team success
- Willingness to learn and accept feedback
Aufgaben
- Drive the evolution of retail credit risk frameworks
- Take methodological ownership of the end-to-end credit cycle
- Optimize decision engines and cut-off strategies
- Oversee credit risk model development and calibration
- Apply machine learning to enhance predictive power
- Monitor portfolio quality and IFRS 9 provisioning
- Design and maintain automated process controls
- Manage credit risk data quality and lineage
- Ensure compliance with MaRisk and EBA guidelines
- Liaise with internal and external auditors
- Lead and mentor a team of risk experts
- Collaborate cross-functionally with product and finance teams
Berufserfahrung
- 5 Jahre
Ausbildung
- Bachelor-AbschlussODER
- Master-Abschluss
Sprachen
- Englisch – verhandlungssicher
- Deutsch – Grundkenntnisse
Tools & Technologien
- IFRS 9
- Python
- SQL
- Machine Learning
Benefits
Sonstige Zulagen
- Personal development budget
- Work from home budget
- Premium N26 bank account
- Relocation package
Mitarbeiterrabatte
- Fitness and wellness discounts
- Friends and family subscriptions
Weiterbildungsangebote
- Language app subscriptions
Öffi Tickets
- Public transportation discounts
Mehr Urlaubstage
- Additional annual leave per service
Sinnstiftende Arbeit
- High degree of autonomy
Moderne Technikausstattung
- Access to cutting-edge technologies
Lockere Unternehmenskultur
- Friendly and diverse team
Sonstige Vorteile
- Visa support
Noch nicht perfekt?
- N26Vollzeitmit HomeofficeSeniorBerlin
- N26
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Senior Credit Analyst - German Speaking(m/w/x)
Vollzeitmit HomeofficeSeniorFrankfurt am Main, Berlinab 85.000 / Jahr - N26
Regulatory Reporting Manager(m/w/x)
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Credit Risk Manager (Retail Lending)(m/w/x)
Optimizing decision engines and applying machine learning for retail credit risk on a digital banking platform. European retail credit risk market expertise and 5+ years experience required. Personal development and work from home budgets provided.
Anforderungen
- 5+ years Credit Risk Management experience
- Experience in Retail Bank or high-growth environment
- BSc/MSc in a quantitative field
- PhD or FRM qualification is advantageous
- European retail credit risk market expertise
- Ability to manage E2E credit processes
- Expertise in IFRS 9 loan loss provisioning
- Experience in credit risk modeling governance
- Application of Machine Learning to credit
- Strong technical background in Python and SQL
- Expertise in prudential and consumer regulations
- Strong leadership and team development skills
- Fluent English and excellent communication skills
- Proficiency in German is advantageous
- Rigorous critical thinking and improvement drive
- Excellent communication and presenting skills
- Passion for data and problem-solving
- Attention to detail and conceptual thinking
- Flexibility in fast-changing environments
- Proactive support for team success
- Willingness to learn and accept feedback
Aufgaben
- Drive the evolution of retail credit risk frameworks
- Take methodological ownership of the end-to-end credit cycle
- Optimize decision engines and cut-off strategies
- Oversee credit risk model development and calibration
- Apply machine learning to enhance predictive power
- Monitor portfolio quality and IFRS 9 provisioning
- Design and maintain automated process controls
- Manage credit risk data quality and lineage
- Ensure compliance with MaRisk and EBA guidelines
- Liaise with internal and external auditors
- Lead and mentor a team of risk experts
- Collaborate cross-functionally with product and finance teams
Berufserfahrung
- 5 Jahre
Ausbildung
- Bachelor-AbschlussODER
- Master-Abschluss
Sprachen
- Englisch – verhandlungssicher
- Deutsch – Grundkenntnisse
Tools & Technologien
- IFRS 9
- Python
- SQL
- Machine Learning
Benefits
Sonstige Zulagen
- Personal development budget
- Work from home budget
- Premium N26 bank account
- Relocation package
Mitarbeiterrabatte
- Fitness and wellness discounts
- Friends and family subscriptions
Weiterbildungsangebote
- Language app subscriptions
Öffi Tickets
- Public transportation discounts
Mehr Urlaubstage
- Additional annual leave per service
Sinnstiftende Arbeit
- High degree of autonomy
Moderne Technikausstattung
- Access to cutting-edge technologies
Lockere Unternehmenskultur
- Friendly and diverse team
Sonstige Vorteile
- Visa support
Über das Unternehmen
N26
Branche
FinancialServices
Beschreibung
N26 has reimagined banking for today’s digital world, building a global banking platform that eliminates physical branches and hidden fees.
Noch nicht perfekt?
- N26
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Risk Controlling Manager, Liquidity Risk (ILAAP)(m/w/x)
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Sr. Data Science Manager(m/w/x)
Vollzeitmit HomeofficeSeniorBerlin - iwoca
Senior Credit Analyst - German Speaking(m/w/x)
Vollzeitmit HomeofficeSeniorFrankfurt am Main, Berlinab 85.000 / Jahr - N26
Regulatory Reporting Manager(m/w/x)
Vollzeitmit HomeofficeSeniorBerlin