Technical Product Manager - Applied Machine Learning

We are seeking a data-driven Technical Product Manager for Applied Machine Learning to join our Intelligent Operations Platforms (IOP) segment. In this role, you will build and deploy Machine Learning solutions that empower internal teams and enable N26 to scale operations efficiently and securely.

Our ML Products team acts as the engine for data-driven decisioning. We build horizontal ML capabilities that allow crucial parts of the bank, from Financial Crime and Risk to Core Operations, to execute with speed and precision. You will work at the intersection of data science and real-world banking operations, turning complex predictive models into practical tools that improve operational efficiency and compliance.

• Execute the ML Product Roadmap: Partner closely with Senior and Lead Product Managers to deliver on the broader machine learning strategy, taking ownership of feature delivery from initial discovery through deployment.
• Bridge Data Science and Operations: Act as the day-to-day connector between Data Scientists, ML Engineers, and business stakeholders. Translate operational pain points into clear technical specifications, user stories, and acceptance criteria.
• Drive Operational and FinCrime Automation: Deliver predictive models that solve concrete internal bottlenecks, focusing on automating back-office tasks, accelerating document verification, and improving fraud detection accuracy.
• Monitor Model Health and Business KPIs: Define, track, and analyze performance metrics for live models. Monitor production accuracy, latency, and false positive rates to identify opportunities for continuous retraining and optimization.
• Drive Squad Backlog Execution: Partner with engineering leads to groom product backlogs, write detailed user stories, and participate in daily sprint rituals, ensuring a steady, reliable pace of delivery while upholding strict security standards.

• 4+ years of experience as a Product Manager in a technology-driven environment.
• Hands-on experience with, or a very strong interest in, data products, analytics, or Machine Learning workflows.

• Data Fluency & SQL: Highly comfortable querying and analyzing datasets independently. Strong ability to use SQL and data visualization platforms to evaluate model impact and validate hypotheses.
• Core ML Fundamentals: Solid understanding of basic machine learning concepts, including classification, regression, decision trees, and the standard model lifecycle from data collection to deployment.
• Model Evaluation Understanding: Ability to translate technical model evaluation metrics such as precision, recall, and F1 score into practical operational outcomes like saved handling hours or reduced fraud losses.
• Technical Communication: Skill in translating complex business rules into precise requirements for engineers, while clearly explaining model outputs and limitations to operational teams.

• Execution Bias: Focus on delivering pragmatic, incremental value quickly rather than waiting for perfect data.
• Analytical Problem Solver: Curious about complex backend processes, with a natural drive to uncover the root cause of operational friction.
• Banking Quality Standard: Respect for the security, compliance, and data privacy requirements necessary when shipping software within a regulated financial institution.

• Accelerate your career growth by joining one of Europe’s most talked-about disruptors and getting hands-on experience in the high-demand field of ML Product Management.
• 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.
• An 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.

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!

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