About the opportunity

We are seeking a seasoned Senior Product Manager 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:

• Partner Strategically with Senior Product Leadership: Work closely with cross-functional PM leads to shape and align your domain roadmap with N26’s broader company-wide AI strategy, maintaining full autonomy over complex, high-stakes workstreams.
• Drive Measurable Business Impact: Focus on high-impact areas, including automating back-office Operations, enhancing real-time fraud and AML detection (FinCrime), and personalizing B2C customer growth and marketing journeys.
• Own the Production AI Lifecycle: Lead end to end delivery for complex Machine Learning and GenAI initiatives—moving from initial hypothesis, data scoping, and model evaluation harnesses to production deployment and post-launch monitoring.
• Bridge Engineering and Business Strategy: Act as the technical sparring partner for Data Scientists and ML Engineers, translating business constraints into model requirements and ensuring technical architectures solve real consumer and operational problems.
• Balance Velocity with Banking Rigor: Manage day-to-day delivery, maintaining a healthy balance between launching innovative AI capabilities and upholding the strict security, auditability, data privacy, and reliability standards expected of a regulated bank.
• Empower Autonomous AI Adoption: Act as an AI evangelist and platform owner by defining standards, blueprints, and self-service toolkits that allow product squads across N26 to integrate AI capabilities into their own features safely and independently.

What you need to be successful:

Background:

• 5+ years of Product Management experience in a technology-driven environment, with a proven track record of owning and shipping production-grade AI/ML capabilities.
• Real-World GenAI & Agentic Systems Production Experience: Hands-on experience taking GenAI products from concept to live production. You must have direct experience building with concepts like Retrieval-Augmented Generation (RAG), Agentic workflows (ReAct framework, state/memory management, function-calling), and multi-agent orchestration systems. (Note: Utilizing off-the-shelf AI productivity tools is not sufficient; we require a track record of building customer-facing or platform products powered by AI).
• B2C Domain Scale (Technical Background Preferred): Experience working within high-volume, highly scalable technical domains (such as B2C FinTech, E-Commerce, or high-traffic consumer tech). Note: Pure B2B background with low customer scale does not fit the high-volume requirements of this role.
• Full AI/ML Specialization: Comprehensive expertise navigating the full AI product lifecycle, including problem scoping, target metric definition, data ingestion/labeling, model training/fine-tuning, evaluation framework design, deployment, latency optimization, and continuous retraining.

Skills:

• Traditional ML Foundation + GenAI Evolution: A background grounded in traditional Machine Learning methodologies (classification, regression, ranking/recommendation engines) paired with hands-on expertise in modern LLM architecture.
• Deep Technical Literacy & Architecture Evaluation: Strong grasp of AI technical fundamentals, with the ability to evaluate trade-offs between Large Language Models (LLMs) and deterministic ML/rule-based logic across cost, inference latency, explainability, and accuracy.
• Data-Driven & Model Evaluation Mindset: Proficiency in defining, tracking, and translating offline model evaluation metrics (precision, recall, F1, confidence thresholds, hallucination rates) into tangible business KPIs and operational ROI.
• Cross-Functional & Regulatory Awareness: Strong collaboration skills within Agile environments, coupled with an understanding of financial services constraints (GDPR, data residency, EU AI Act, risk governance, and security controls).

Traits:

• Pragmatic Action Bias: A focus on high-velocity execution and value creation, knowing how to balance model perfection with pragmatic, incremental shipping in a fast-paced environment.
• Production Reliability: Uncompromising standards for system resiliency, ensuring all AI-driven platform features are robust enough for a global banking infrastructure.
• Technical Collaboration: Comfortable speaking the same technical language as Principal Data Scientists and Platform Engineers while translating complex model behavior into clear updates for non-technical leadership.

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.