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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.
Requirements
- 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
Tasks
- 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
Work Experience
- 5 years
Education
- Bachelor's degreeOR
- Master's degree
Languages
- English – Business Fluent
- German – Basic
Tools & Technologies
- IFRS 9
- Python
- SQL
- Machine Learning
Benefits
Additional Allowances
- Personal development budget
- Work from home budget
- Premium N26 bank account
- Relocation package
Corporate Discounts
- Fitness and wellness discounts
- Friends and family subscriptions
Learning & Development
- Language app subscriptions
Public Transport Subsidies
- Public transportation discounts
More Vacation Days
- Additional annual leave per service
Purpose-Driven Work
- High degree of autonomy
Modern Equipment
- Access to cutting-edge technologies
Informal Culture
- Friendly and diverse team
Other Benefits
- Visa support
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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.
Requirements
- 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
Tasks
- 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
Work Experience
- 5 years
Education
- Bachelor's degreeOR
- Master's degree
Languages
- English – Business Fluent
- German – Basic
Tools & Technologies
- IFRS 9
- Python
- SQL
- Machine Learning
Benefits
Additional Allowances
- Personal development budget
- Work from home budget
- Premium N26 bank account
- Relocation package
Corporate Discounts
- Fitness and wellness discounts
- Friends and family subscriptions
Learning & Development
- Language app subscriptions
Public Transport Subsidies
- Public transportation discounts
More Vacation Days
- Additional annual leave per service
Purpose-Driven Work
- High degree of autonomy
Modern Equipment
- Access to cutting-edge technologies
Informal Culture
- Friendly and diverse team
Other Benefits
- Visa support
About the Company
N26
Industry
FinancialServices
Description
N26 has reimagined banking for today’s digital world, building a global banking platform that eliminates physical branches and hidden fees.
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