Product Manager - Lending

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.

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.

• In this role, you will help us transition from 'Establishing' to 'Maturing' our lending products, ensuring 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 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 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.