Product Designer

About the opportunity N26 is looking for a Product Designer to join our Lending segment. In this role, you’ll design at the intersection of credit, borrowing, and financial health—covering core products like Overdraft, Consumer Credit, and Installment Loans (BNPL). Your mission? Replace the anxiety typically associated with debt with clarity, control, and empowerment. At N26, we believe a person's financial life is more than any single product. You'll join a team of three other designers, all working within the Financial Empowerment domain — the space where we help people save, invest, and borrow with confidence. You'll bring your expertise to the lending side, contributing to a team that collectively shapes how our customers experience their entire financial life, not just one corner of it. Please note: We highly encourage you to attach your most recent portfolio and CV in English to your application. Applications without a portfolio will not be considered. In this role, you will: Own the whole design journey: You'll take features from initial brief all the way to production-ready UI, working independently and at pace. We need a doer: someone who moves fast, takes decisions, and closes loops without waiting for permission. Be a design systems operator: You'll work at production scale inside our shared design system, contribute components back, and hold the bar for consistency across your workstreams. You understand that a well-structured file is as important as a well-structured screen. Map complexity for real. Lending flows are intricate: credit checks, eligibility states, regulatory constraints, repayment logic. You'll be the person who untangles that complexity and turns it into flows that feel obvious to the user, even when the underlying system is anything but. Map / Access research with human psychology: You'll use behavioral economics to design experiences that actually trick people's brains into building positive money habits. Look at the data: You'll ground your decisions in product metrics and A/B testing results, and you'll proactively go looking for answers when the data isn't handed to you. Collaborate without friction: You'll partner closely with Product Managers and Engineers to scope requirements, negotiate tradeoffs, and run design QA to make sure things land exactly as intended. Present and defend your work: You'll bring your decisions to critiques and stakeholder reviews with clear rationale grounded in research, data, and business context. Lead and level up: You will head up design across multiple workstreams or feature areas simultaneously, while mentoring and stepping up the craft of the designers around you. What you need to be successful: Background: Education: Honestly, we care way more about your skills and your portfolio than a piece of paper! (Not specified) Experience: You have 3+ years of professional experience running end-to-end UX/UI product design across multiple workstreams. Bonus points if you've done this at a FinTech, EdTech , or another company dealing with complex consumer products, heavily regulated workflows, and mobile apps at serious production scale. Skills: Figma at production scale : Advanced proficiency required, with a genuine command of auto-layout and component architecture. We need someone who treats structured files as a craft, not a nice-to-have. Complex flow thinking: You can hold a multi-state, multi-persona flow in your head and map it clearly. You find the edge cases before engineering does. A portfolio that proves it: Show us the thinking behind the work, not just the final screens. We can't consider applications without a portfolio. Data-driven approach: You use research and metrics to make decisions and you're comfortable running and interpreting A/B tests. Empathy & Ethics: You have a deep interest in financial inclusion and accessibility (WCAG compliance), ensuring our products work beautifully for people from all walks of life. Strong communication : You can pitc