Senior Manager Risk - ICAAP / ILAAP (Pillar 1)

About the opportunity

Are you ready to take the next step in your career? N26 is looking for a Senior Manager to lead and further develop the Risk Governance & Capital Planning team.

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 collaborate closely with cross-functional stakeholders and act as a key counterpart for auditors and regulators.

In this role, you will

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 scenario design

Own and further develop the ILAAP framework, including liquidity risk methodologies, 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 (Sanierungsplan), ensuring 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 a