Job Description

About the opportunity

We are seeking a Product Manager with a desire to build products that make banking radically more efficient, and an innate interest in financial technology to join our Cards & Digital Wallets segment. The Cards & Digital Wallets segment is split between Barcelona and Berlin offices, which are the main product & tech hubs for N26 globally.

As a Product Manager in Cards & Digital Wallets, you will own initiatives that reduce cost-to-serve and drive automation across the cards and chargeback experience. Your mission is to make our operations leaner and our customer experience faster — automating manual processes, deflecting avoidable support contacts, and applying agentic AI to resolve customer issues before they ever reach a human. This is where operational excellence meets customer trust: every process you automate lowers cost and makes banking smoother for millions of N26 customers.

In this role, you will:

• Own a clear problem space focused on automation and cost-to-serve —identifying where manual effort, support contacts, and operational friction can be improved
• Drive down CS contacts, including through agentic AI that resolves customer issues autonomously, and automate back-office workflows such as dispute and chargeback handling
• Partner with stakeholders across N26 to define your team goals and drive it to achieve success.
• Receive support from different areas in the company in order to identify pain points and opportunities, brainstorm solutions and impact customers’ lives.
• Work with other product managers, designers and engineers across the organization to improve to make operationally heavy journeys faster and cheaper to run
• Partner closely with Customer Service, Operations, Fraud, Compliance, and our AI/automation teams to translate operational pain into scalable product
• Balance automation and efficiency against customer experience, risk, and regulatory requirements
• Ensure product rollouts are delivered successfully by working cross-functionally with local market teams, operations, compliance, and engineering.
• Give a great purpose to your SQL skills to measure impact and track results.

What you need to be successful:

• 3+ years experience in Product Management ideally gained in a FinTech, banking environment, cards products (or similar)
• A strong bias toward automation and efficiency, with instincts for where technology can replace manual effort
• Interest in or exposure to AI/agentic automation and how it can be applied to customer support and operations
• Experience with Cards networks (VISA, AMEX, Mastercard), or Cards’ processors.
• STEM, business, economics undergraduate. MBA, MS or equivalent would be a plus.
• Strong quantitative and analytical skills (you are familiar with SQL)
• Exceptional verbal and written communication skills.
• Strong understanding of agile product development and delivery.
• Previous experience dealing with high engaged third party providers.

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, 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.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion