What are we looking for?

About you

We are looking for an enthusiastic person, who has the following characteristics: Team work spirit in a multinational environment with constant coordination/communication with regional and global teams. Strong organizational and project management skills to manage different tasks with competing deadlines Analytical mindset, transforming data into key messages Exceptional problem-solving skills and strong attention to detail Ability to explain complex topics in a simple and clear manner Proactivity and autonomy to develop different lines of work Flexible and interested in innovating and embarking on new projects and new ways of working.

Your experience

We are looking for graduates in: Maths, Physics, Engineering, Actuarial Science, Statistics, or Economics. If you have a good academic profile and are fluent in English and Spanish, you are the candidate we are looking for!

Some aspects that may be valued:

• 
  Master?s degree, postgraduate or PhD degree or equivalent background in a quantitative discipline.
• 
  5 to 10 years of experience in credit risk, finance or banking regulation.
• 
  Experience in managing/analysing credit risk products and financial risk regulation.
• 
  Experience developing and/or integrating scoring models and understanding of credit risk parameters (PD/LGD) is a plus.
• 
  English B2, C1 is a plus.
• 
  Strong analytical and data science skills to transform datasets into valuable insights through the analysis, management and visualization with BI tools (SQL, Python, Microstrategy) is a plus.
• 
  Advanced skills in Office package (PowerPoint, Word, Excel) and Google Office tools.

Overview

About the area

We are a multidisciplinary team with 18 members working in close coordination with the local risk teams located in each of the countries where BBVA operates. Our main goal is the integration of risk models and risk appetite into the risk management, developing policies, standards and global processes, as well as defining specific origination frameworks for the retail portfolios, covering the full credit life cycle (admission, monitoring and collection). We also collaborate with other Risk teams, such as GRM Analytics, and Global Portfolio Management, as well as with Client Solutions in supporting the development of business growth initiatives for retail portfolios.

About the job

Based in Madrid, the successful candidate will join the GRM Retail Credit Risk holding area as a Retail Credit Risk Analyst and will assume hands-on responsibility in the support to Client Solutions in the definition of profitable business growth initiatives for retail portfolios across the BBVA Group; developing a strategic vision, promoting best practices, homogenizing risk criteria and analysis, and supporting risk and business areas in all associated initiatives.

These are some of the main tasks:

• 
  Collaborative work with the retail risk and business teams in the geographies to assess and support the development of risk management strategies and initiatives.
• 
  Homogenization of risk criteria to support the development and monitoring of digital business growth initiatives.
  
• Definition of best practices from a risk perspective.
• 
  Monitoring and assessment of the risk and profitability of the new digital business growth initiatives.
• 
  Participation in the elaboration of the origination frameworks for the retail portfolios, which apply to all the business areas of the Group.
• 
  Characterization of retail portfolios with a view to integrate the risk appetite framework in the management of these portfolios.
• 
  Analysis of the impact of IFRS9 and economic capital on the management of retail portfolios, in particular on new origination decisions.
• 
  Establishment of retail management criteria based on external regulations.
• 
  Preparation of monitoring reports and reporting of the Group's retail portfolios and initiatives for presentation to Senior management.

Working at BBVA

BBVA is a global company with over 160 years of history present in 25 countries with over 80.1 million customers. We are more than 113,000 professionals working in multidisciplinary and diverse teams.

At BBVA, we are ahead of the transformation that is taking place in the banking sector, challenging the status quo, to make life easier to our customers.

Being part of BBVA means developing your career in one of the most innovative companies in finance.

Responsible banking

We're committed to responsible banking to help drive a more inclusive and sustainable society. The future of banking lies in financing the future.
We started out with the spirit of helping others make the best financial decisions. That spirit remains with us today and encourages us to keep moving forward, prioritizing innovation and digital transformation so that we can put the opportunities of this new era within everyone's reach.

Diversity

At BBVA, we believe that having a diverse workforce makes us a better bank. We are proud to be a company that prioritizes diversity, inclusion and equal opportunities, regardless of the race, age, gender, ethnicity, disability, religion or sexual orientation of our employees and collaborators.

Our values

Our values define our identity; they are what drives us to make our goals a reality and they guide all of our actions and the decisions we make.

Customer comes first

We think big

We are one team