Business Strategy Associate - Lending

We are seeking a highly driven Business Strategy Associate to join our Lending team in Berlin or Barcelona.

You will work in the Financial Empowerment domain. Our goal is to empower everyone to achieve financial freedom and unlock their potential for a better life by providing N26 users with access to the money they need to achieve their life objectives, whether today (deposits or borrowing) or tomorrow (saving and investing).

Here, you will have the unique opportunity to work at one of Europe’s most exciting Fintechs and contribute to our growth and expansion in a cross-functional team. You will be responsible for ensuring the successful delivery of product initiatives through project management, external partner management, and ensuring maximum performance of our different Lending products using data analysis and KPI tracking. You will work on complex projects such as launching new product features while driving business strategy and operational change.

• Lead high-impact Lending initiatives end-to-end, from strategic design through to execution and continuous improvement.
• Contribute to the definition and execution of strategic priorities for both the team and the overall Lending segment.
• Build data-driven business cases to evaluate the impact and feasibility of strategic initiatives and new products, including SQL deep dives and budget building.
• Oversee the full lifecycle of N26 Lending products, utilizing quantitative and qualitative analysis for continuous optimization.
• Analyze business performance to identify opportunities for growth, optimization, and innovation.
• Monitor product and project performance using data and insights to drive informed decision-making.
• Develop deep expertise in the Lending segment, including its business KPIs, infrastructure, and operational processes.
• Act as the central point of contact between internal and external stakeholders, including Product & Tech, Legal & Compliance, Customer Operations, Banking Operations, Marketing, and external partners.

Background:

• 4+ years of prior experience in financial services—fintech/banking, investment banking, or startups. Direct experience in the credit field is a big plus.
• Bachelor's degree in a quantitative or business field (Finance, Economics, Mathematics, etc.) from a top-tier university.
• Proven track record of leading large, cross-functional projects end-to-end and managing senior stakeholders.
• Established experience in vendor management, contract negotiation, and partner performance evaluation.

Skills:

• Advanced Excel and SQL skills are mandatory—ability to independently source data and derive actionable insights.
• Ability to build complex business cases and conduct deep-dive research into market and competitor trends.
• Outstanding storytelling and visualization skills, with high proficiency in presentation software.
• Highly organized with the ability to navigate shifting priorities and tight deadlines.
• Full professional proficiency in English.

• 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.
• 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, experiences, and backgrounds.
• A relocation package with visa support for those…