Head of Product, Lending (Consumer Loans & Overdraft) — Berlin, Germany
About the Opportunity
N26 — Europe's leading digital bank with a full German banking license, headquartered in Berlin and operating across 20+ markets — is hiring a Head of Product to spearhead its strategic Lending division. As banking undergoes deep digital transformation, this is your chance to run an entire business vertical inside one of Europe's most ambitious fintechs. The role is based in Berlin (Barcelona also an option).
The Role & Impact
You'll take end-to-end ownership of the Lending vertical: consumer loans, overdraft facilities, and installment products. You'll design the long-term strategy and roadmap, drive adoption and growth, and own P&L performance in line with the bank's risk appetite — while building and leading a team of 4–6 direct reports.
What You'll Own
- Strategy & Growth: Define and execute the long-term retail lending strategy to expand the customer base and sustainably grow product adoption
- Roadmap & P&L: Own the consumer lending roadmap end-to-end — priorities, timelines, and features — and own the outcomes of the P&L, working closely with Credit Risk to shape the portfolio
- Team Leadership: Architect and scale an efficient lending organisation, with clear governance and success metrics
- Cross-Functional Collaboration: Be the connective tissue between Product, Credit Risk, Operations, and Data Science — understanding the credit models behind every lending decision
What You Bring
- Senior product leadership experience in lending, credit, or a closely related fintech/banking domain
- Strong commercial instincts and comfort owning P&L outcomes
- Ability to work at high velocity with engineering, data, design, and risk teams
- A track record of shipping products that balance growth with compliance and risk discipline
If you want to run a P&L-sized product vertical at a digital bank entering its next stage of maturity, this is the role.
🚀 Ready to Apply?
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