at N26
FinTechPosted a month ago
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**Product Manager (Cards & Digital Wallets) | Barcelona, Spain** Join N26 as our Cards & Digital Wallets Product Manager, driving operational excellence and customer trust. Own initiatives reducing cost-to-serve, automate processes, and enhance customer experience. Collaborate cross-functionally to ensure successful product rollouts. Requirements include 3+ years in Product Management, ideally in Fintech or banking, strong bias towards automation, and familiarity with cards products and networks. **Key Responsibilities** - Define problem spaces and drive cost-to-serve reduction - Automate workflows and apply AI to resolve customer issues - Partner with stakeholders to achieve team goals and product success - Balance automation with customer experience, risk, and regulatory requirements **Required Skills** - Proven experience in Product Management in Fintech or banking - Strong bias towards automation and efficiency - Familiarity with cards networks, processors, or similar - SQL skills for impact measurement and tracking results - Exceptional communication skills, both verbal and written - Agile product development and delivery experience **What's in it for you** - Accelerate your career growth at a Europe's leading disruptor - Competitive personal development budget and work-from-home budget - Discounts on fitness & wellness memberships, language apps, and public transportation - Premium N26 subscription, additional annual leave, and relocation package (if needed)
- Compensation
- Not specified
- City
- Not specified
- Country
- Spain
Currency: Not specified
Full Job Description
Product Manager
About the opportunity
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.In this role, you will:
- 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.
What you need to be successful:
- 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.
Whats in it for you:
- Accelerate your career growth by joining one of Europes 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.
