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N2N26

Credit Risk Manager (Retail Lending)(m/w/x)

Berlin
Full-timeWith Home OfficeManagement
AI/ML
Data Science

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

  • EnglishBusiness Fluent
  • GermanBasic

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
Find the original job posting in its most current version here. Nejo automatically captured this job from the website of N26 and processed the information on Nejo with the help of AI for you. Despite careful analysis, some information may be incomplete or inaccurate. Please always verify all details in the original posting! Content and copyrights of the original posting belong to the advertising company.

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