Product Manager - Lending at N26 in Barcelona, Catalonia, Spain

About the opportunity We are seeking a proactive Product Manager to join our Lending team. This role is central to our Lending Ambition, our strategic roadmap to become the most trusted European digital primary bank by 2029 through a material, high-growth lending profit center. In this role, you will help us transition from "Establishing" to "Maturing" our lending products, ensuring we offer the most accessible and personalized digital credit experience in Europe. You will join a cross-functional team of product managers, designers, engineers, and data scientists dedicated to scaling this high-priority profit center. In this role, you will: Execute the Strategy. Support the delivery of our 3-pillar product strategy (Foundations, Experimentation, and Innovation) to help reach our target of €1bn+ in lending volume. Define & Deliver. Take problem statements within Lending Experience (e.g., funnel conversion) and Lending Foundations (e.g., credit data platforms) and define the necessary stories, epics, and initiatives to solve them. Iterative Progress. Break down complex features into iterative milestones, fostering a culture of "build, measure, learn" through A/B testing and customer discovery. Collaborate Across Groups. Partner closely with Credit Risk, Finance, and Engineering to ensure product rollouts are high-quality, compliant, and meet our "Lending Bank" readiness standards. Targeted Focus. Support critical unresourced topics as they arise, such as initiatives around Credit Underwriting Models and Open Banking. Maintain Operational Excellence. Contribute to the maturity of our processes, supporting audit requirements (e.g., Deloitte) and upleveling our reporting and documentation. What you need to be successful: Experience. 3+ years in Product Management, ideally within FinTech or a regulated banking environment. Product Craft (L3). Proficiency in breaking down high-level goals into actionable roadmaps and technical specifications. Can define stories and epics well when given a problem statement. Analytical Mindset. Comfortable using data (SQL is a plus) to identify funnel friction and validate hypotheses. Stakeholder Management. Ability to build effective relationships across different disciplines and navigate a fast-paced, "digitally native" environment. Adaptability. A mindset that embraces the Lending Ambition—being fast to adapt, hypothesis-driven, and focused on both customer and business value. Our Team Values: We are a team that believes in being better together and authentically ourselves. We live by these principles: Simple. Speed. Scale. Customer value, business value, or no value. Accountable to outcomes, guided by purpose. Earn trust. With customers, regulators, and each other. Hypothesis driven, fast to adapt. 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. Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence. 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, 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. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use. We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do. We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities. Sounds good? Apply now for this position. Equal Opportunities: We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential. We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to candidate.exp@n26.com. Visit our website to learn more about Diversity, Equity, & Inclusion at N26.