Retail Credit Risk Associate

vor 2 Wochen

Berlin, Deutschland N26 Vollzeit

**Retail Credit Risk Associate**

Department: Banking

Location: Berlin

**About the opportunity**

Are you ready for your next career step? N26 is looking for a Retail Credit Risk Associate to further develop the credit risk function at a cutting-edge technology-driven bank, spearheading the development of our analytical solutions and credit risk models for (Unsecured) Retail Lending, based on state-of-the-art methods and technology, as well as latest regulations in cooperation with leading business and tech experts, and taking a key role in assessing, controlling and reporting credit risks. **Modeling experience is required.**

**In this role you will**
- **Support credit risk model development**: In collaboration with Product, Data Science, and Machine Learning Engineers refinement of N26s suite of (unsecured) retail credit risk models (e.g., PD, LGD, CCF, Debt-Servicing Coverage, Early Warning Systems) to support the bank's strategic growth and risk management excellence. Drive innovation in modeling techniques to enhance accuracy and efficiency.
- **Monitor and enhance the credit risk model landscape**: Ensure continuous backtesting, monitoring, and improvement of credit risk models using the latest statistical and machine learning methodologies. Ensure models are responsive to dynamic market conditions and aligned with business objectives.
- **Perform analysis of credit risk data and contribute to credit risk platform development**: Identify trends and insights with further models/reporting optimisation. Participate in the construction and enhancement of a robust credit risk database leveraging both internal and external data sources. Use data with cutting-edge technologies and data analytics practices to automate and optimize credit decisioning, monitoring, and reporting processes.
- **Support compliance and best practice adherence**:Support the adherence to legal and regulatory frameworks (e.g., GDPR, IFRS9, MaRisk, EBA/ECB guidelines) across all credit risk modeling activities. Support in reviews and updates of the company's credit policies and procedures.

**What you need to be successful**

**Background**
- **Quantitative academic background**:You hold an BSc/MSc in a field such as applied mathematics, natural science, quantitative finance/economics, statistics/econometrics, or engineering, with excellent academic records.
- **Solid in credit risk**:You demonstrate successful track record in Credit Risk, preferably in the retail segment, including advanced analytics, reporting and provisioning (IFRS 9), and/or retail credit risk modeling (PD/LGD/EAD), including data basis, model design, development, calibration, implementation, and monitoring. Understanding key performance and risk indicators for retail lending portfolios is a strong plus.
- **Tech stack**: Strong programming and analytical skills, using Python and SQL. Experience using Machine Learning packages and evaluating Machine Learning algorithms in consumer lending or similar businesses, including regulatory compliance (e.g., explainability, fairness).

**Skills**
- **Advanced methodological proficiency**: Exceptional analytical skills and a strong foundation in statistical and Machine Learning methods, enhanced by advanced programming capabilities. A deep understanding of statistical modeling, hypothesis testing, and data analysis techniques is essential. Skilled in complex feature engineering, model selection, and optimization to enhance model performance. Understanding of model evaluation metrics specific to credit risk, such as data representativeness, discriminatory power, and calibration accuracy, is a plus.
- **Expertise in SQL**: Mastery over complex SQL queries, including efficient use of self-joins, window functions, and optimized query performance. Ability to write and execute advanced SQL code, capable of handling extensive datasets for in-depth analysis and model development. Advanced data visualization techniques, experience with Tableau/AWS is a plus. Strong SQL skills. Experience with database management and operations, including working with databases, supporting and maintaining own tables within the schema, and handling schema-related tasks.
- **Language proficiency**: Fluent in English with excellent communication skills. Proficiency in German is considered an advantage

**Traits**- Rigorous critical thinking and drive to improve the status quo
- Excellent communication and presenting skills
- Passion for data and complex problem-solving
- Both attention to details and strong conceptual thinking
- Flexibility in a fast-changing environment
- Actively help yourself and the team be successful
- Will to continuously learn and act upon direct feedback

**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 app

  • Associate in Credit Risk Management

    vor 1 Monat

    Berlin, Berlin, Deutschland N26 GmbH Vollzeit

    About the OpportunityJoin N26 GmbH as a Credit Risk Associate and take your career to the next level.Role Overview:As part of our Treasury Back Office, you will play a crucial role in enhancing our credit risk capabilities at a leading technology-driven bank. Your responsibilities will include:Establishing comprehensive credit analysis...

  • Credit Risk Analyst

    vor 1 Monat

    Berlin, Berlin, Deutschland N26 GmbH Vollzeit

    About the OpportunityAre you prepared to elevate your professional journey? N26 GmbH is in search of a Credit Risk Associate.Role Overview:This position involves working within the Treasury Back Office to enhance the credit risk capabilities of a forward-thinking, technology-oriented bank. You will be responsible for:Establishing comprehensive credit...

  • Credit Analysis Associate

    vor 1 Monat

    Berlin, Berlin, Deutschland N26 GmbH Vollzeit

    About the OpportunityAre you prepared to elevate your professional journey? N26 GmbH is in search of a Credit Risk Associate.Role Overview:As part of the Treasury Back Office, you will play a pivotal role in enhancing the credit risk framework at our innovative, technology-driven banking institution. Your responsibilities will include:Establishing...

  • Risk Assessment Associate

    vor 1 Monat

    Berlin, Berlin, Deutschland N26 GmbH Vollzeit

    About the OpportunityAre you prepared to elevate your professional journey? N26 GmbH is in search of a Credit Risk Associate.Key Responsibilities:Enhance the credit risk framework within a forward-thinking, technology-oriented banking environment.Establish comprehensive credit analysis and risk management protocols.Develop and implement credit processes that...

  • Treasury Credit Associate

    vor 3 Monaten

    Berlin, Deutschland N26 Vollzeit

    **About the opportunity**: Are you ready to fast-track your career? N26 is looking for a Treasury Credit Associate to further develop the credit risk function at a cutting-edge technology-driven bank, establishing credit analysis, risk management and control tools, developing credit processes based on state of the art technology, as well as latest...

  • Credit Risk Intern

    vor 3 Monaten

    Berlin, Deutschland N26 Vollzeit

    **About the opportunity**: Are you ready for your next career step? N26 is looking for a Credit Risk Intern to further develop the credit risk function at a cutting-edge technology-driven bank, implementing credit risk management and controlling tools, supporting the development of credit monitoring and credit portfolio management based on state of the art...

  • Credit Risk Intern

    vor 5 Monaten

    Berlin, Deutschland SumUp Services GmbH Vollzeit

    The mission of SumUp's **Lending Tribe** is to provide our small merchants, who are often turned away by traditional financial institutions, with access to capital to grow their businesses. As **Credit Risk Intern** you will be part of the credit risk team, a cross-functional team managing underwriting and credit risk management of SumUp's lending...

  • Credit Risk Intern

    vor 3 Monaten

    Berlin, Deutschland SumUp Services GmbH Vollzeit

    The mission of SumUp's **Lending Tribe** is to provide our small merchants, who are often turned away by traditional financial institutions, with access to capital to grow their businesses. As **Credit Risk Intern** you will be part of the credit risk team, a cross-functional team managing underwriting and credit risk management of SumUp's lending...

  • Senior Credit Risk Manager

    vor 1 Woche

    Berlin, Berlin, Deutschland AUTO1 Group Vollzeit

    {"title": "Credit Risk Manager", "content": "Job SummaryWe are seeking a highly skilled Credit Risk Manager to join our team at AUTO1 Group. As a key member of our Credit Operations team, you will be responsible for analyzing and evaluating loan tapes to ensure accuracy, compliance, and alignment with company policies and industry standards.Key...

  • Senior Credit Risk Manager

    vor 1 Woche

    Berlin, Berlin, Deutschland AUTO1 Group Vollzeit

    {"title": "Credit Risk Manager", "content": "Job SummaryWe are seeking a highly skilled Credit Risk Manager to join our team at AUTO1 Group. As a key member of our Credit Operations team, you will be responsible for analyzing and evaluating loan tapes to ensure accuracy, compliance, and alignment with company policies and industry standards.Key...

  • Senior Credit Risk Manager

    Vor 2 Tagen

    Berlin, Berlin, Deutschland AUTO1 Group Vollzeit

    {"title": "Senior Credit Risk Manager", "description": "Job SummaryWe are seeking a highly skilled Senior Credit Risk Manager to join our team at AUTO1 Group. As a key member of our Credit Operations team, you will be responsible for analyzing and evaluating loan tapes to ensure accuracy, compliance, and alignment with company policies and industry...

  • Senior Credit Risk Manager

    Vor 2 Tagen

    Berlin, Berlin, Deutschland AUTO1 Group Vollzeit

    {"title": "Senior Credit Risk Manager", "description": "Job SummaryWe are seeking a highly skilled Senior Credit Risk Manager to join our team at AUTO1 Group. As a key member of our Credit Operations team, you will be responsible for analyzing and evaluating loan tapes to ensure accuracy, compliance, and alignment with company policies and industry...

  • Credit Assessment Analyst

    vor 1 Monat

    Berlin, Berlin, Deutschland N26 GmbH Vollzeit

    About the OpportunityAre you prepared to elevate your professional journey? N26 GmbH is in search of a Credit Risk Associate.Key Responsibilities:Support the Treasury Back Office in enhancing the credit risk function within a forward-thinking, technology-driven banking environment.Establish comprehensive credit analysis and risk management frameworks.Develop...

  • Credit Risk Manager

    vor 2 Wochen

    Berlin, Berlin, Deutschland Bees & Bears Vollzeit

    About the RoleWe are seeking a highly skilled and experienced Credit Risk Manager to join our team at Bees & Bears. As a key member of our finance department, you will play a pivotal role in shaping the future of finance and credit risk management within our rapidly growing startup.Our mission is to channel capital into the sustainable economy to accelerate...

  • Senior Credit Risk Manager

    vor 17 Stunden

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...

  • Senior Credit Risk Manager

    vor 1 Woche

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...

  • Senior Credit Risk Manager

    vor 1 Woche

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...

  • Senior Credit Risk Manager

    Vor 3 Tagen

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...

  • Senior Credit Risk Manager

    Vor 3 Tagen

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...

  • Senior Credit Risk Manager

    vor 17 Stunden

    Berlin, Berlin, Deutschland AUTO1 Global Services SE & Co. KG Vollzeit

    Senior Credit Risk ManagerWe are seeking a highly skilled Senior Credit Risk Manager to join our Captive Finance team. In this role, you will play a critical part in assessing and allocating our credit risk, as well as mitigating potential risks. You will have the opportunity to work closely with key stakeholders and contribute to the development of our...