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Head of Product - LendingN26 · Berlin
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N26

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Head of Product - Lending

🗓️ Posted 2026-09-07 Berlin Hybrid Banking Financial Services
💰 Salary Not shared 📊 Market 8,333 EUR–12,500 EUR/mo

About the Company

N26 is Europe's leading digital bank with a full German banking license. Headquartered in Berlin and operating across more than 20 markets, we are now entering our next stage of maturity. Our focus is on our growth engine while we strengthen robustness, scalability, and operational excellence. With new senior leaders joining to guide this phase, we are sharpening how we build, ship, and sustain products at scale. As we continue to keep a strong product pulse, our growth is driven by expanding into adjacent services like mobile connectivity and recently launching cards designed for kids. Our core strategy focuses on empowering customers to switch to N26 as their primary account. By embedding financial tools that are reliable and resilient, we ensure N26 is an essential part of everyday life.

About the Role

With the financial sector facing significant digital transformation and heightened competition, N26 is seeking a focused leader to spearhead the expansion of our strategic Lending division. As Head of Lending, you will assume management of the Lending vertical, supervising the end-to-end lifecycle of our retail lending products operations, which currently cover consumer loans, overdraft facilities, and installment products. This product is critical to the banking business and the role empowers you to operate your own business vertical: designing the long term Lending strategy & roadmap, driving product adoption and growth, and ensuring strong P&L performance in alignment with N26 Bank risk appetite and policies.

Responsibilities

  • ● Manage the Lending vertical, supervising the end-to-end lifecycle of retail lending products operations, including consumer loans, overdraft facilities, and installment products.
  • ● Design the long term Lending strategy and roadmap, driving product adoption and growth.
  • ● Ensure strong P&L performance in alignment with N26 Bank risk appetite and policies.
  • ● Build, nurture, and spearhead a team of 4-6 direct reports, fostering a resilient and high performing team.
  • ● Collaborate closely with Engineering, Credit, Data Science, Design, and senior management to identify new opportunities, optimize current portfolio performance, and deliver with high standards and high velocity.
  • ● Define and execute the long term retail lending strategy to expand the customer base, unlock new opportunities, and sustainably increase product adoption.
  • ● Take full ownership of the consumer lending product roadmap, from defining future direction, priorities, and product timeline, to ensuring the cross functional team meets deliverables and deadlines.
  • ● Shape and grow the lending portfolio by working closely with Credit Risk teams to influence P&L outcomes.
  • ● Architect and scale an efficient lending organization, designing high performing team structures, establishing clear governance, and embedding success metrics across all areas of responsibility.
  • ● Act as connective tissue between Product, Credit Risk, Operations, and Data Science, deeply understanding underlying credit risk models to ensure robust, compliant, and data driven lending decisions.
  • ● Scale market penetration and portfolio growth by identifying systemic levers that expand customer adoption of N26 lending products.