Product Manager - Product Factory

About the Opportunity

We are seeking a passionate, technically-minded Product Manager - Product Factory to join our Core Systems team. Our mission is to disrupt traditional core banking technology standards by building highly configurable, modular, and automated solutions that enable rapid financial product launches across Europe, backed by automated compliance and seamless data flows.

The Core Systems segment is split between our Barcelona and Berlin, which serve as the primary product and tech hubs for N26 globally.

What is the "Product Factory"?

The Product Factory is the central engine room of N26’s core banking platform. Rather than hardcoding software from scratch for every new country or account type, the Product Factory builds the modular "building blocks" (flexible APIs, internal configuration engines, and a centralized product catalog) of the bank.

As the Product Manager for this group, you will own the internal platforms that allow N26 to dynamically mix, match, and launch new financial products (like specialized savings accounts, premium tiers, or localized lending features) in a highly competitive, scalable, and compliant manner.

In this role you will:

• Build Internal Self-Service Tools: Drive the strategy and execution for self-service product configuration and orchestration tools, enabling internal regional and market teams to launch or modify financial products without needing engineering intervention.
• Own Platform Strategy & Roadmap: Define and execute the roadmap for N26's core product infrastructure, including the orchestration of transactional and gateway data flows that power our underlying financial systems.
• Manage the Central Product Catalog: Maintain and scale the central system of record for N26's financial features, interest rates, limits, and fee structures, ensuring high system availability and data integrity.
• Cross-Functional Collaboration: Partner with other product managers, designers, and core engineers to continuously improve N26's platform architecture, ensuring it aligns with global business goals.
• Navigate Compliance & Rollouts: Work closely with cross-functional domains, including Local Market Teams, Legal, Operations, and Compliance to ensure that automated compliance guardrails are baked directly into the Product Factory framework for seamless market rollouts.
• Vendor & Third-Party Integration: Oversee technical relationships and integrations with high-engagement third-party core banking providers and external financial vendors.

What you need to be successful:

• Experience: 4+ years of Product Management experience, ideally gained within a FinTech, modern banking environment, core banking provider, or a highly complex platform/API-driven ecosystem.
• Technical & Data Acumen: Strong familiarity with backend architectures, relational databases, system integrations, and building/managing internal API products. You speak the language of engineering effortlessly.
• Domain Knowledge: Proven experience working with centralized digital product catalogs, configuration engines, or complex financial orchestration systems.
• Vendor Management: Previous experience managing high-engagement third-party vendors and aligning external roadmaps with internal engineering goals is a major plus.
• Education: Undergraduate degree in a STEM field, Business, or Economics. An MBA, MS, or equivalent advanced degree is a plus.
• Execution & Communication: An autonomous, adaptive operator with an entrepreneurial mindset, a strong bias for action, and exceptional verbal and written communication skills.
• Agile Mastery: A deep understanding of agile product development, continuous integration, and scalable delivery practices.

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