Junior Credit Associate

About the opportunity

We are seeking an Associate Credit Risk Management to join our Credit Back Office team. The Credit Back Office function serves as an essential control and operational pillar, responsible for credit analysis, rating and decision-making for risk-relevant exposures, maintaining end-to-end credit process quality, and ensuring robust reporting and regulatory compliance. The successful candidate will have a direct hand in shaping the future of this function and contribute to the success of the overall organization.

In this role, you will:

• Support N26 Bank’s credit back office function (MaRisk BTO1.1), including credit analysis, rating and voting for single risk-relevant exposures, and decision authorities in line with the Credit Risk Policy
• Support the credit processes and controls, to ensure quality of end-to-end credit processes including underlying risk assessment instruments (internal/external rating, debt-servicing ability, monitoring, and early warning systems) and robust 2nd line process controls
• Support the credit risk reporting and loan loss provisioning approach through ensuring the integrity and functionality of credit risk database serving as the source for credit portfolio monitoring, reporting, and loan loss provisioning (IFRS 9), including model performance monitorin