Team Lead Risk - ICAAP / ILAAP (Pillar 1)

In this role, you will take ownership of key risk controlling processes across capital and liquidity adequacy, with a focus on Pillar 1 topics within the normative perspective of the ICAAP framework as well as ILAAP. You will ensure alignment with regulatory requirements and internal risk strategy while further strengthening governance frameworks, methodologies, and risk controlling practices. As the lead of the team, you will guide and develop team members and play a key role in assessing, controlling, and reporting N26's risks. You will cooperate closely with cross- stakeholders and act as a key counterpart for auditors and regulatorys. Lead and develop the Risk Governance & Capital Planning team, providing guidance, mentorship, and expertise across ICAAP (Pillar 1) and ILAAP topics Own and further enhance capital planning processes and Pillar 1 ICAAP governance including stress testing frameworks and design scenario Own and further develop the ILAAP framework, including liquidity risk methodology, stress testing, and key liquidity risk metrics Oversee key risk governance components, including RWA calculation, risk appetite framework, risk policies, limit setting and monitoring, and internal controls Own and further develop the risk inventory and recovery plan, consistency across capital and liquidity perspectives Drive the continuous improvement of risk reporting across ICAAP and ILAAP, delivering high-quality, data-driven insights for senior management Ensure strong data governance and data quality in line with BCBS 239 principles for key inputs used for capital and liquidity risk assessments (e.g. balance sheet, RWA, liquidity metrics). Ensure adherence to regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations), act as key contact for auditors and regulatorys, and cooperate closely with cross-functional stakeholders (e.g., Finance, Treasury, Risk) Leverage a passion for and a track record of using state-of-the-art technology to simplify processes, automated risk controlling workflows, and increase overall operational efficiency.

What you need to be successful: Background: Master's degree in business/economics, finance, mathematics, or a related field 7+ years of experience in risk management, risk controlling, capital planning, liquidity risk, or a related function within a regulated financial institution or leading consultancy Strong experience across ICAAP, capital planning, and/or ILAAP and liquidity risk management Proven experience in leading or mentoring team members and driving complex initiatives Skills: Strong understanding of ICAAP frameworks (Pillar 1 focus), including capital planning, risk inventory, stress testing, and recovery planning Strong understanding of ILAAP frameworks and liquidity risk management, including liquidity stress testing, funding risk, and key metrics (e.g. survival horizon, maturity transformation) Extensive knowledge of regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations) Strong expertise in risk governance frameworks, including risk appetite, policies, controls, and decision-making frameworks Experience in designing and enhancing methodologies across capital and liquidity risk (e.g. stress testing, scenario design, capital planning processes) Strong understanding of data flows, data quality, and governance of key risk inputs (e.g. balance sheet, RWA, liquidity metrics) Strong analytical, conceptual, and stakeholder management skills, with the ability to independently drive topics and complex problems Fluent English; English is a strong advantage

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, discounts to fitness & wellness memberships, 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. Additional day of annual leave for each year of service. A high degree of automation and access to cutting 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. Equal Opportunities: We recognize that our strength read in our people and the varied perspectives You bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential. We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to candidate.exp@n26.com Visit our website to learn more about Diversity, Equity, & Inclusion at N26. .