Treasury Credit Associate

vor 3 Wochen


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 regulations in cooperation with leading business and tech experts, and taking a key role in N26s Credit Office.

**In this role, you will**:

- Further develop N26s treasury credit office and trade control functions within the credit risk department in order to accommodate N26s investment goals and risk leadership aspirations
- Contribute to credit risk department's enabler role for N26 by helping to develop cutting-edge credit solutions for our treasury business, operationally preparing credit/investment decisions, and executing credit and trade controls
- Support further development of state-of-the-art credit analysis methods, processes and controls along the entire lifecycle (credit decision, credit monitoring and early warning, intensified and problem loan management) tailored to N26s asset classes and operating model
- Support further development of credit risk reporting at N26 Group and continuously generate insights to support treasury steering in accordance with the investment and risk strategies
- Support further development of treasury strategy, governance, methodology and process frameworks in compliance with relevant law and regulation (e.g., KWG, MaRisk, EBA Guidelines) and applicable best practices
- Partner with Group Treasury, Capital Markets, and Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments to implement credit requirements, help ensuring transparency, and compliance with applicable credit law and regulations, and contribute to establishing a risk culture in the organization

**What you need to be successful**:
Background:

- Bachelor's degree in business administration, economics or comparable field; additional qualification (e.g., Master's degree in relevant field, passed CFA exams) is a strong plus
- 2+ years experience in financial services and credit risk management, preferably focusing on operative credit analysis, processes and controls; previous experience in a FinTech is a plus

**Skills**:

- Previous experience in credit or portfolio analysis for main exposure classes (e.g., institutions, sovereigns, corporates), and understanding of underlying credit analysis and rating methodologies
- Knowledge of financial instruments (loans, securities) and underlying risk profiles
- Understanding of credit business (MaRisk BTO1) across the entire value chain (e.g., credit decisioning, monitoring and early warning) and proven ability to build and run accordant processes and controls
- Previous experience in trade settlement and controls (MaRisk BTO2) is a strong plus
- Hands-on knowledge of credit risk regulation (e.g., KWG, MaRisk, EBA Guidelines), its implementation in credit processes, and interaction with internal/external auditors is a strong plus
- Previous experience in project delivery on introducing new regulatory requirements, complex credit process changes, and/or credit process digitization
- Strong analytical and quantitative skills, and ability to independently generate insights
- At least basic Bloomberg and SQL command, and willingness to further develop it; basic Python knowledge is a plus
- Fluent English and German

Traits:

- Strong topic ownership and bias for action
- Entrepreneurial vision, autonomous attitude, and a 'get things done' approach
- Rigorous critical thinking and drive to improve the status quo
- Curiosity about new technologies and open-mindness to disrupt existing operating models
- Good communication and stakeholder management skills
- Both attention to details and strong conceptual thinking
- Flexibility in a fast-changing environment
- Actively help yourself and the team to be successful
- Positive and collaborative mindset
- 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 apps and public transportation.
- 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.
- Vacation days vary depending on your location of work. Additional day of annual leave for each year of service.
- A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.
- A relocation package with visa support for those who need it.

**Who we are**:
N26 has reimagined banking for today's digital world. Tech



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