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BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.
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Global Digital Banks is BBVA's digital banking unit present in the market with a significant presence in the retail business in Italy since 2021 and in Germany since 2025.
We are a large multidisciplinary team, located in Madrid, Milan, and Frankfurt, working together to expand the existing product and service offering and improve our clients' experience.
The position will be located in Madrid and will work closely with the Risk and the Business teams located in Frankfurt and Milan.
We are constantly transforming!
About the job:
The RoleThe candidate will be responsible for monitoring the credit risk quality, pricing and profitability of the credit risk portfolios of Digital Banks, as well as contributing to define the new risk policies and changes in these.
The role will work closely with the risk models and the risk deployment teams, and focus on achieving the objectives of the credit Value Streams through the transformation of the risk function, and on the continuous improvement of risk tools, policies, and models.
Drive the strategic management and profitability of retail portfolios, balancing risk metrics with business growth objectives.
Architect and refine credit risk admission policies, utilizing champion-challenger frameworks to ensure adaptability and portfolio excellence.
Spearhead the development of pricing strategies by integrating advanced risk analytics to maximize business impact.
Oversee risk models and data quality, transforming complex insights into actionable recommendations for key stakeholders.
Prepare and refine data to ensure high quality and robustness for analysis, deriving insights that drive improvements in risk quality and business optimization.
Degree in Economics, Mathematics, Physics, Statistics. Master’s level knowledge of Data Science is required.
At least 4 years experience in Risk Management, with focus on credit risk and retail portfolios.
Knowledge of Credit risk management in terms of admission, recoveries, credit scoring, income estimators, limit allocation.
Deep understanding of credit risk models.
Basic programming knowledge in at least one of the following: Python (pyspark, pandas, scikit-learn, keras…), R, SAS, or SQL.
Data analysis (if possible ADA).
Strong analytical mindset, willingness to learn, and motivation to develop expertise in credit risk management and in new markets for BBVA.
English required.
Knowledge of Italian or German will be valued.
Knowledge of German or Italian credit markets is a plus.
Experience in the European digital retail banking market is a plus.
Skills:
Analytics, Credit Models, Credit Risks, Data Parsing, Data Processing, Proactive Thinking, Profitability, Team Collaboration, Work InitiativeSkills Required
- Degree in Economics, Mathematics, Physics, Statistics; Master's level knowledge of Data Science
- At least 4 years experience in Risk Management, focusing on credit risk and retail portfolios
- Knowledge of credit risk management: admission, recoveries, credit scoring, income estimators, limit allocation
- Deep understanding of credit risk models
- Basic programming knowledge in at least one: Python (pyspark, pandas, scikit-learn, keras), R, SAS, or SQL
- Data analysis experience
- Strong analytical mindset, willingness to learn, and motivation to develop credit risk expertise
- English language proficiency
- Knowledge of Italian or German
- Knowledge of German or Italian credit markets
- Experience in the European digital retail banking market
What We Do
At BBVA we are leading the transformation of banking worldwide, united in pursuing our goal of bringing the age of opportunity to everyone. Firmly focused on the future, our on-going digital transformation is already producing disruptive innovations that power our vision of banking. Every one of our 112,465 employees, from branch staff to senior leaders, plays an essential role in giving our 85 million customers the cutting edge banking solutions that they deserve. Building on 165 years of history we know the importance of constant development, which is why we place so much confidence in the collaborative working environment that enables our people to grow and excel. If you would like to learn about the culture and opportunities on offer at a company that is leading the way for 21st century banking, head to the ‘Life’ tab to find out more.
