About the opportunity

We are seeking a Product Manager for AI Products to join the “Intelligent Operations Platforms” (IOP) segment. In this role, you will drive the development of AI solutions - spanning both Machine Learning and Generative AI - that empower our teams and help N26 lead the financial industry through technology.

Our AI Products team acts as a central hub of innovation. We don't just build features; we build and manage AI capabilities that allow every other part of the bank - from Financial Crime and Risk to Growth and Marketing - to become smarter. You will work at the intersection of cutting-edge technology and real-world banking, turning sophisticated models into scalable products that improve efficiency, compliance and the customer experience.

In this role, you will:

• Work hand-in-hand with Senior Product Leadership. You will work closely with different PMs to align your roadmap with the broader company-wide AI strategy, while maintaining autonomy over your specific work-streams.
• Drive business impact. Focus on high-impact areas such as augmenting our Operations, enhancing fraud detection (FinCrime), and personalising marketing efforts.
• Own the execution of key AI initiatives. You will lead the end-to-end lifecycle for specific Machine Learning and GenAI projects, moving from initial concept to full-scale production.
• Partner with Data Science Experts. Act as the bridge between technical experts (Data Scientists, ML Engineers) and business or Product stakeholders to ensure our models solve real user problems.
• Balance delivery. Manage the day-to-day delivery of AI products, ensuring a healthy balance between launching innovative new features and maintaining the high security and reliability standards expected of a bank.
• Empower other teams. Support creation and sharing of "blueprints" and toolkits that allow other product teams across N26 to integrate AI into their own features autonomously and safely.

What you need to be successful:

Background:

• 2+ years of experience as a Product Manager in a technology-driven environment, with a clear track record of shipping products powered by AI or Machine Learning.

Skills:

• Technical literacy. A strong grasp of AI fundamentals, including an understanding of when to use Large Language Models (LLMs) versus traditional ML methodologies (like classification or regression models).
• Data-driven mindset. Comfort working with complex datasets and the ability to define and track the right KPIs to measure model performance and business value.
• Effective collaboration. Experience working within an Agile environment and a proven ability to manage multiple stakeholders across different departments.
• Communication. The ability to translate complex technical concepts into clear, actionable updates for non-technical partners, bridging the gap between Data Science and Product or Business teams.
• Regulation awareness. Experience in the financial services industry is a strong plus, as it helps in understanding the importance of compliance and security.

Traits:

• Innovation. You stay up-to-date with the latest AI trends and are always looking for ways to apply them to improve the status quo.
• Pragmatism. You have a "bias for action" and know how to prioritize the most impactful work in a fast-paced environment.
• Reliability. You take pride in the quality and resilience of your work, ensuring that what we build is robust enough for a global banking platform.
• Team Player. You enjoy working in a collaborative setting where you learn from others and share your own expertise.

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.
• 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 backgrounds.
• 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.