Retail Credit Risk Discipline Leader

Area:
GLOBAL RISK MANAGEMENT

Deadline for applying:
7/16/2023

Company:
001

What are we looking for?

Qualifications

We are looking for graduates in Maths, Physics, Engineering, Actuarial Science, Statistics, or Economics, with more than 15 years of experience.

Some aspects that may be valued:
Masters degree, postgraduate or PhD degree or equivalent background in a quantitative discipline.
+15 years of experiencein credit risk, finance, banking regulation or engineering.
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.
Knowledge of risk processes (admission, monitoring and collections) 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.
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.
Overview

Our Company

We are BBVA, a global bank with more than 75 million customers and a footprint that extends across more than 30 countries. We work to help people make the best financial decisions and bring the age of opportunity to everyone. We are guided by our values: the customer comes first, we think big and we are one team.
The Global Risk Management (GRM) unit has a clear strategy aimed at achieving risk adjusted profitability and recurrent value creation; using a model portfolio approach to manage the groups activity as a basis for a better capital and a better risk management digitization framework.
You will join the GRM Retail Credit Risk discipline in the GRM 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 to set and manage the Global Risk Appetite Strategy for Retail portfolios, covering the full credit life cycle (admission, monitoring and collections), thus guiding the Groups strategy of profitable growth. We also collaborate with other Risk teams, such as GRM Data&Analytics and Global Portfolio Management, as well as with Client Solutions in supporting the development of business growth initiatives for retail portfolios

What you will do
Based in Madrid, the successful candidate will join the GRM Retail Credit Risk holding area and will assume hands-on responsibility in the support to Client Solutions in the definition of Open market profitable business growth for retail portfolios across the BBVA Group, including checkout lending business (“Buy-Now-Pay-Later”); developing a strategic vision, promoting best practices, homogenizing risk criteria and analysis, and supporting risk and business areas in 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 Open market risk management strategies and new digital businesses.
Definition of the risk management strategy and best practices for Open market portfolios across the BBVA Group, covering the full risk cycle, from the admission to the recovery process, in coordination with Fraud and AML teams.
Homogenization of risk criteria and processes to support the development and monitoring of the Open market Portfolios and related growth initiatives, participating in the design of the strategy of models development, in coordination with GRM Data&Analytics.
Definition of risk metrics and governance applicable to pilot tests, performing the challenge of the proposals presented to the Retail Credit Risk Committee.
Monitoring and preparation of the reports of the risk and profitability metrics of the Open Market portfolio, including business initiatives, pilot tests and understanding of the funnels, both for internal decision-making purposes as well as specific reporting for its presentation to the senior management.
Working at BBVA

BBVA is a global company with over 160 years of history present in 25 countries with over 81 million customers. We are more than 110,000 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

Were 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 everyones reach.

Diversity

At BBVA we believe having a diverse team makes us a better bank.

For this reason, we actively support diversity, inclusion and equal opportunities regardless race, sex, age, religion, sexual orientation, gender identity or expression. We cultivate a collaborative and inclusive work environment that allows every employee to do their best work.

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
BBVA

Fecha de publicación: 12/07/2023