Junior Credit Associate

About the opportunity

We are seeking an Associate Credit Risk Management to join our Credit Back Office team. The Credit Back Office function serves as an essential control and operational pillar, responsible for credit analysis, rating and decision-making for risk-relevant exposures, maintaining end-to-end credit process quality, and ensuring robust reporting and regulatory compliance. The successful candidate will have a direct hand in shaping the future of this function and contribute to the success of the overall organization.

In this role, you will:

• Support N26 Bank’s credit back office function (MaRisk BTO1.1), including credit analysis, rating and voting for single risk-relevant exposures, and decision authorities in line with the Credit Risk Policy
• Support the credit processes and controls, to ensure quality of end-to-end credit processes including underlying risk assessment instruments (internal/external rating, debt-servicing ability, monitoring, and early warning systems) and robust 2nd line process controls
• Support the credit risk reporting and loan loss provisioning approach through ensuring the integrity and functionality of credit risk database serving as the source for credit portfolio monitoring, reporting, and loan loss provisioning (IFRS 9), including model performance monitoring and process controls
• Support regulatory compliance approaches through ensuring compliance with applicable law and regulation (incl. KWG, MaRisk, CRR, EBA Guidelines/RTS) in credit risk-taking activities across the Group

What you need to be successful

Background

• A Bachelor’s or Master’s degree
• Foundational understanding of credit risk principles, financial statement analysis, and credit processes (prior internships or practical experience in banking or financial services is a plus, but not required)

Skills

• Basic understanding of banking regulations and credit guidelines (e.g., MaRisk, KWG, CRR, EBA Guidelines)
• Strong analytical, numerical, and conceptual skills with acute attention to detail
• Data literacy and familiarity with handling financial datasets or credit databases
• Strong communication skills and the ability to collaborate effectively across cross-functional teams
• Fluency in English is required; professional German language skills are a strong plus

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 autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.
• A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion