Product Manager - Lending

Role description

About the opportunity We are seeking a proactive Product Manager to join our Lending team. This role is central to our Lending Ambition, our strategic roadmap to become the most trusted European digital primary bank by 2029 through a material, high-growth lending profit center. In this role, you will help us further accelerate our Lending Ambition for our N26 customers, ensuring we offer personalized, inclusive, and innovative digital credit experiences across Europe. You will join a cross-functional team of product managers, designers, engineers, and data scientists dedicated to scaling this high-priority profit center. In this role, you will: Execute the Strategy: Support the delivery of our Lending Ambition (Foundations, Experimentation, and Innovation) to help reach our ambitious growth targets for the Lending business. Define & Deliver: Develop and own problem spaces within Lending Foundations (e.g., credit data platforms) and define 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: Partner closely with Credit Risk, Finance, and Engineering to ensure product rollouts are high-quality, compliant, and meet our "Lending Bank" readiness standards. Targeted Focus: Support critical unresourced topics as they arise, such as initiatives around Credit Underwriting Models and onboarding external data sources to reduce Time-to-Value. Maintain Operational Excellence: Contribute to the maturity of our processes, supporting audit requirements (e.g., Deloitte) and upleveling our reporting and documentation. What you need to be successful: Experience: 3+ years in Product Management, ideally within FinTech or a regulated banking environment. Product Craft: 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 Claude Code or other AI tools to fast-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 these principles: Simple. Speed. Scale. Customer value, biz value, or no value. Accountable to outcomes, guided by purpose. Earn trust: with customers, regulators, and each other. Hypothesis driven, fast 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 autonomy and a...

About N26

This role is at N26, a growing company. Visit their website at https://n26.com.

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First 90 days

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