Lead Product Manager - Conversational Banking

About the opportunity

Conversational Banking is how N26 scales support without scaling headcount at the same rate. Our ambition is banking as a non event: clients get help in their channel and language of choice, and most issues resolve before a human agent ever needs to be involved. We build the intelligence in house — N26 owns its own orchestration and intelligence layer rather than renting it from vendors — and the programme is now shifting from an assistant that answers questions to a system that acts on them.

As Product Manager, you will own one of the highest value capability areas within the programme end to end — from discovery through delivery to measured resolution outcomes. You will work at the intersection of applied AI, banking operations and regulation, shipping capabilities that millions of clients across Europe use without thinking about them. That is the point.

The segment has been newly formed and expanded, the platform foundations are proven, and the interesting work is just starting: taking journeys from containment to genuine autonomous resolution, on infrastructure the bank owns. You will join a small senior team with direct access to the programme's leadership and real ownership from day one.

In this role, you will

• Own a capability area. Take full product ownership of a defined slice of the programme — for example a set of high volume client journeys or an agent facing capability — including its roadmap, delivery and outcomes.
• Ground everything in evidence. Lead discovery on the contact drivers behind your area, building problem statements from real client voice and operational data rather than assumption.
• Ship agentic capabilities. Work daily with engineering and applied AI teams to move journeys from answering to acting — safe, autonomous resolution with the right guardrails and escalation paths.
• Own your numbers. Instrument your area with resolution first metrics and the counter metrics that prove quality isn't traded for efficiency. You should be able to defend every figure you present.
• Work the interfaces. Collaborate with operations, service partners and peer product teams so that what you ship lands in the real workflows of agents and back office teams.
• Build for a regulated bank. Design compliance, auditability and client protection into every capability from the start.

What you bring

• Three or more years in product management, with at least one shipped product or major capability you owned end to end.
• Experience with AI powered, conversational or automation products — or a demonstrable, hands on understanding of how LLM based systems behave in production.
• Strong analytical fluency,comfortable defining metrics, working directly with data, and separating signal from vanity.
• Bias to evidence over opinion, and comfort operating with ambiguity in a fast moving programme.

Nice to have

• Experience in banking, fintech or another regulated industry.
• Exposure to contact centre and branch operations, BPO environments or customer service tooling.

What’s in it for you

• Accelerate your career growth by leading core infrastructure at one of Europe’s premier digital banks.
• Employee benefits including a competitive personal development budget, work from home budget, fitness & wellness discounts, and public transportation subsidies.
• A Premium N26 bank account subscription for you, plus subscriptions for friends and family.
• An additional day of annual leave for each year of service.
• High autonomy to drive the ML technical agenda, working with a diverse, international team of peers.
• 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.

Sounds good? Apply now for this position.

Equal Opportunities

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.