Senior Product Manager - Operations Automation & Enablement; OAE

About the opportunity

We are seeking a hands-on, strategic Senior Product Manager - Ops Automation & Enablement (OAE) with a passion for building the intelligence and systems behind world-class banking operations.

This is a true builder’s role: you will lead the strategy, design, delivery, and enterprise-scale adoption of Agentic AI, hyperautomation, process mining, and internal tooling to reshape how complex, control-intensive Banking Operations are executed.

You will work cross-functionally with product managers, engineers, data scientists, and operational leaders to ensure N26 can scale aggressively across markets and product offerings without proportional headcount growth—all while maintaining the strict regulatory and quality standards our customers expect.

• Architect AI Workflows:
  Design, deploy, and govern E2E, multi-step Agentic AI solutions and automations that target high-volume processes, cross-team friction, and manual back-office tasks.
• AI Champion:
  Act as the primary AI Champion for Banking Operations: translating complex ML/AI concepts into practical, working systems rather than just talking about them.
• Change Management & Value Realization:
  Identify structural and behavioral barriers to adoption; design frameworks that embed new AI capabilities into day-to-day operations and team decision-making.

• Process Mining Re-Engineering:
  Lead structured process capture, process mining, and workflow mapping. Evaluate opportunities to completely redesign end-to-end workflows rather than merely automating existing inefficiencies.
• Core CRM & Platform Integration:
  Partner with Conversational Banking and Platform owners to optimize Salesforce (our core case-management backbone) and integrate AI agents with our central architecture and AWS infrastructure.
• Operational Efficiency & ROI:
  Define and track clear metrics for every initiative (FTE impact, handling times, error rates, cost-per-unit, and time saved) to ensure high business value and ROI.

• Bridge Tech & Operations:
  Work directly with Banking Ops leads, Data Science, AI Enablement, and Engineering to turn operational pain points into clear product specs, PRDs, and prompt configurations.
• Regulatory Excellence:
  Collaborate with Data Protection, Legal, and Compliance teams to build resilient workflows that comply strictly with GDPR, the EU AI Act, and internal governance standards.
• Operational Readiness:
  Own product readiness for launches: ensuring changes in one pod do not disrupt downstream processes, control environments, or customer outcomes.

• Product Management
  
  Experience:
  
  5+ years in Product Management, Process Engineering, or Operational Transformation, ideally in a fast-moving tech, digital, or fintech environment.
• AI & Automation Track Record:
  Demonstrated experience taking ML, RPA, or Agentic AI products from 0 to 1 (or significantly scaling them) with measurable, quantified operational savings.
• Hands-On & Technical Curiosity:
  Comfortable working with APIs, prompt engineering, agentic frameworks, and orchestration tools. You are hands-on enough to build/configure the first version yourself, but strategic enough to design the long-term vision.
• Process Improvement Mindset:
  Proven expertise in workflow mapping, failure demand analysis, and structured waste-reduction methodologies (Lean, Six Sigma, or equivalent).
• Regulated Environment
  
  Experience:
  
  Background in banking or fintech, navigating compliance, legal, and risk sign-offs in a control-heavy environment.
• Analytical & Data-Driven:
  Proficient in using data to model impact before building…