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About the Role
Drive the development of AI solutions, spanning Machine Learning and Generative AI, to empower teams and lead the financial industry through technology. The AI Products team acts as a central hub of innovation, building and managing AI capabilities that enhance various banking functions.
Responsibilities
- Partner strategically with Senior Product Leadership to shape and align the domain roadmap with N26’s broader company-wide AI strategy.
- Drive measurable business impact by focusing on automating back-office operations, enhancing real-time fraud and AML detection, and personalizing customer growth and marketing journeys.
- Own the end-to-end production AI lifecycle for complex Machine Learning and GenAI initiatives, from hypothesis to post-launch monitoring.
- Act as the technical sparring partner for Data Scientists and ML Engineers, translating business constraints into model requirements.
- Balance day-to-day delivery with strict security, auditability, data privacy, and reliability standards.
- Act as an AI evangelist and platform owner by defining standards, blueprints, and self-service toolkits for autonomous AI adoption.
Requirements
- 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, including concepts like Retrieval-Augmented Generation (RAG), Agentic workflows, and multi-agent orchestration systems.
- B2C Domain Scale (Technical Background Preferred): Experience working within high-volume, highly scalable technical domains (e.g., B2C FinTech, E-Commerce, high-traffic consumer tech).
- 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.
- Pragmatic Action Bias: Focus on high-velocity execution and value creation, balancing model perfection with incremental shipping.
- Production Reliability: Uncompromising standards for system resiliency.
- Technical Collaboration: Comfortable speaking technical language with Data Scientists and Engineers, and translating complex model behavior for non-technical leadership.
Skills
- Traditional ML Foundation + GenAI Evolution: Background in traditional Machine Learning methodologies paired with hands-on expertise in modern LLM architecture.
- Deep Technical Literacy & Architecture Evaluation: Ability to evaluate trade-offs between 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 into tangible business KPIs and operational ROI.
- Cross-Functional & Regulatory Awareness: Strong collaboration skills within Agile environments, understanding of financial services constraints (GDPR, data residency, EU AI Act, risk governance, and security controls).
Location
- Berlin
Work Type
- Full-time
Experience Level
- Senior
Benefits
- Competitive personal development budget
- Work from home budget
- Discounts to fitness & wellness memberships
- Discounts for language apps
- Discounts for public transportation
- Premium subscription on personal N26 bank account
- Subscriptions for friends and family members
- Additional day of annual leave for each year of service
- High degree of autonomy
- Access to cutting edge technologies
- Relocation package with visa support
About the Company
- N26 has reimagined banking for today’s digital world, using technology and design to build 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.
- 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 Opportunity
- 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.