Banking Operations Associate - Credit, Dunning & Collections

About the opportunity

We are seeking an experienced and motivated professional to join our Banking Operations Team as a Banking Operations Associate. In this role, you will be a key player in utilizing your project management skills to deliver process improvements across Credit, Dunning, and Collections processes, ensuring its smooth and efficient handling.  A focus of this job is on the ability to independently drive enhancements and automatization projects forward while keeping the day-to-day business running smoothly.

In this role, you will:

• Execute processes regularly and proactively improve them if possible.
• Accompany projects from the first strategic draft through execution to continuous improvement and management.
• Manage customer complaints and resolve them in the interests of the customer.
• Analyze data to get a deeper understanding of the products and projects and thus ensure good quality.
• Bring added value due to your project management skills.
• Be the first point of contact for our external and internal stakeholders.
• Serve as deputy for the Team Lead / Manager.

What you need to be successful: 

• You speak German and English fluently.
• Experience in Dunning & Collection Processes: Prior hands-on experience in these areas is beneficial
• Knowledge of Lending Products: Your expertise will enable you to handle complex cases, escalate issues to the product team, and contribute to improving operational workflows.
• Experience with platforms like Salesforce and JIRA, as well as credit systems such as Mambu, is preferred.
• You have successfully completed a banking apprenticeship or a university degree in business administration (with a focus on banking & finance) or other relevant working experience with Lending Products or Debt Collection.
• You are eager to learn and want to drive the improvement and optimization of our processes.
• You have excellent analytical skills, you can use Excel and you love the details.
• You manage your time effectively, set priorities and meet deadlines.
• You are a team player who likes to work in a highly motivated team and with a high degree of autonomy.
• Mentorship and Team Support: A strong passion for mentoring junior team members, offering guidance and support to help them develop their skills and succeed in their roles.

Nice-to-haves:

• Your SQL knowledge will impress us
• Business fluent French, Spanish or Italian.

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.

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.