Product Manager - Lending

In this role, you will help us transition from 'Establishing' to 'Maturing' our lending products, guarantee we offer the most accessible and personalized digital credit experience in Europe. You will join a cross-functional team of product managers, designers, engineers, and data scientists dedicated to scaling this high-priority profit center. Execute the Strategy. Support the delivery of our 3-pillar product strategy (Foundations, Experimentation, and Innovation) to help reach our target of €1bn+ in lending volume. Define & Deliver. Take problem statements within Lending Experience (e.g., funnel conversion) and Lending Foundations (e.g., credit data platforms) and the necessary stories, epics, and initiatives to solve them. Iterative progress. Break down complex features into iterative milestones, fostering a culture of 'build, measure, learn' through A/B testing and customer discovery. Collaborate Across Groups. Partners close with Credit Risk, Finance, and Engineering to ensure product rollouts are high-quality, compliant, and meet our 'Lending Bank' readiness standards. Targeted Focus. Support uncritical topics as You arise, such as initiatives around Credit Underwriting Models and Open Banking. Maintain Operational Excellence. Contribute to the maturity of our processes, supporting audit requirements (e.g., Deloitte) and upleveling our reporting and documentation.

Experience. 3+ years in Product Management, ideally within FinTech or a regulated banking environment. Product Craft (L3). Proficiency in breaking down high-level goals into actionable roadmaps and technical specifications. Can define stories and epics well when given a problem statement. Analytical Mindset. Comfortable using data (SQL is a plus) to identify funnel friction and validate hypotheses. Stakeholder Management. Ability to build effective relationships across different disciplines and navigate a fast-paced, 'digitally native' environment. Adaptability. A mindset that embraces the Lending Ambition—being fast to adapt, hypothesis-driven, and focused on both customer and business value.

Our Team Values: We are a team that believes in being better together and authentically ourselves. We live by principles: Simple. Speed. Scale. Customer value, business value, or no value. Accountable to outcomes, guided by purpose. Earn trust. With customers, regulatorys, and each other. Hypothesis driven, almost to adapt. 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. Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence. 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. .