Senior Associate, ALM

Liability-Side Operations & Core ALM Modelling

• Replication Portfolio:
• Help build up, model, and maintain the replication portfolio framework for non-maturing liabilities.
• Capital Market Issuances:
• Support the balance sheet, structural, and modeling requirements of actual and future debt issuances, with a primary focus on secured or securitized assets.
• Risk Profiling & Analytics:
• Support the maintenance and validation of ALM models and assumptions. Assist in the modeling of new products and analyze their direct impact on the overall ALM risk profile.
• Stress Testing & Regulatory Tracking:
• Contribute to the preparation of regulatory stress tests and scenario analyses. Staying updated on relevant ALM regulations (CRR/CRD, MaRisk, EBA guidelines on IRRBB, Liquidity, etc.) and assist in assessing their balance sheet impact.

What you need to be successful:

• Professional Background:
• 2-4 years of overall work experience in a Top Tier consulting or banking institution, featuring 1–3 years of focused, practical experience with fixed-income instruments, encompassing both cash vanilla and structured assets and interest rate derivatives
• Treasury Expertise:
• Strong understanding as well as practical experience with Bank Front Office and/or Treasury and/or ALM frameworks and the investment process for a regulated institute, alongside a strong command of broader economic data and market developments.
• Regulatory Knowledge:
• Knowledge of essential regulatory requirements , including an established knowledge of the current financial and banking legal environment, guidelines, and frameworks (CRR/CRD IV/KWG and MaRisk).
• Academic Background:
• Bachelor or Master degree in Business studies, Finance, Economics, or an equivalent quantitative qualification.
• Languages:
• Fluent English with business-level German language capabilities.
• Autonomy & Drive:
• High degree of availability, self-motivation, initiative, and a proven capacity to work with a high level of autonomy to drive processes with minimal oversight.
• Resilience & Adaptability:
• Clear willingness to work on recurring, operational tasks to support senior colleagues; effectively under pressure, with the psychological resilience and capacity to adapt quickly to shifting priority lines in a fast-paced neobank environment.

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.

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

Contact

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!

Mostramos trecho e link por vaga, e o texto integral quando a fonte permite. Marcas e logotipos citados pertencem aos seus titulares.

Fonte: Statistisches Bundesamt (Destatis), tabela; dl-de/by-2-0; cálculo da StarIn