Head of Product - Lending

About the role

As Head of Lending, you will assume management of the Lending vertical, supervising the end-to-end lifecycle of retail lending products operations, which currently cover consumer loans, overdraft facilities, and installment products. This product is critical to the banking business and the role empowers you to operate your own business vertical: designing the long-term Lending strategy & roadmap, driving product adoption and growth, and ensuring strong P&L performance in alignment with N26 Bank risk appetite and policies.

What you'll do

• Drive Sustainable Product Growth: define and execute the long-term retail lending strategy to expand the customer base, unlock new opportunities, and sustainably increase product adoption.
• Own the Roadmap and P&L: take full ownership of the consumer lending product roadmap, from defining product future direction, priorities and product timeline and features to ensuring the cross-functional team meets deliverables and deadlines.
• Team Management and Leadership: architect and scale an efficient lending organization, design high-performing team structures, establish clear governance, and embed success metrics across all areas of responsibility.
• Strengthen Cross-Functional Collaboration: become a connective tissue between Product, Credit Risk, Operations and Data Science, deeply understanding underlying credit risk models to ensure robust, compliant, and data-driven lending decisions.
• Market Development and Acceleration: scale market penetration and portfolio growth by identifying systemic levers that expand customer adoption of N26 lending products.

What you'll need

• Strategic Product & Business Leadership: a proven track record in senior Product Management leadership, P&L ownership, demonstrating a balance of a strong product mindset and high-level business acumen.
• Lending Domain Expertise: proven experience in banking, fintech, or the broader lending space (e.g., credit lines, BNPL, loans, mortgages etc).
• Team Leadership: proven ability to build, nurture and grow high performing teams and create an innovative environment where top-tier talent can thrive and deliver exceptional business results.
• Data & P&L Fluency: deeply data-driven, with strong understanding of P&L management and ability to use data to make sharp product decisions.
• Stakeholder Management: comfortable working closely with Product, Engineering, Credit Risk Management, Data Science and Operations, with ability to communicate effectively and manage expectations.