Credit Risk Manager (Mortgage)

About the opportunity

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage team. The core purpose is to design, implement, and manage robust data analytics and second-line process controls for the mortgage portfolio. The role emphasizes deep methodological expertise with data processing tools (SQL, Python, R) and a proactive curiosity for broader mortgage business aspects, including macroeconomic analysis of collateral and digital process controls. The Senior Associate will ensure IFRS 9 models, early warning and control frameworks are implemented in strict compliance with regulatory requirements.

In this role you will

Contribute significantly to the further development of N26's mortgage credit risk function, aligning with N26's growth aspirations, robust risk management objectives, and stringent regulatory compliance requirements within the retail mortgage business.

Play a key role in the continuous enhancement of N26's global mortgage governance framework, policies, and procedures, ensuring full alignment with the latest Dutch (e.g., THRK), European (e.g., EBA GL LOM), and German (MaRisk, KWG) regulations.

Support the further development and implementation of controls for the end-to-end mortgage credit processes. This includes, but is not limited to, loan granting, comprehensive collateral management, sophisticated monitoring, proactive early warning systems, intensified and problem loan management, and accurate loan loss provisioning.

Design, implement, and operate robust second-line control frameworks and tools for mortgage processes and the portfolio, including for the oversight of business activities and effective monitoring of third-party service providers.

Develop and maintain a resilient and accurate mortgage credit risk database, crucial for precise portfolio and single case monitoring, portfolio reporting, and loan loss provisioning, with a strong focus on data quality and integrity.

Conduct in-depth data analysis and s