Product Manager

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.

• 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.

• 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.

• 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