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Credit Risk Business Expert – Quantitative Risk Analyst

Hybrid in Madrid·Full-time·Added today (last checked 21 Oct)

BNP Paribas

110 open roles

Overview

Work mode
Hybrid, Madrid
Contract
Full-time
Hours
Jornada intensiva on Fridays and in summer
English
Required
Education
University degree
Benefits
Private health insurance, life insurance, flexible pay plan, meal vouchers

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Skills

Nice to have

This job advert was originally written in Spanish.

Requirements

What we're looking for

  • Studies

University degree: Licenciatura, Diplomatura or Grado.

· Knowledge of Credit Analysis.

  • Experience

· Risk knowledge & awareness.

· Risk management tools.

· Risk opinion.

· Credit decision models.

· Project management.

· Programming in Python, Dataiku, SAS.

  • Languages

Intermediate/advanced English.

Nice to have

· Knowledge of project management and continuous process improvement. (Desirable).

· AGILE Certification (Desirable).

Pay & benefits

What you'll get

• Training programs, career plans, and internal mobility opportunities, not only at a national level but also at an international level thanks to our presence in different countries.

• Group-level Diversity and Inclusion Committee that ensures an inclusive working environment. In recent years, several employee communities have been created that organize different awareness actions regarding diversity and inclusion (PRIDE, We Generations, and MixCity).

• Corporate volunteer program (1 Million Hours 2 Help) in which employees can dedicate time

• Flexible compensation plan.

• Hybrid remote work model (50%).

• 22 vacation days.

• 2 days of personal business.

• Day off at Christmas.

• Half day off on your birthday.

• Intensive working day every Friday and in July and August.

• Flexible scheduling.

• Life insurance.

• Health insurance.

• Meal card (€156 per month/10 months).

• Fixed salary + variable bonus + profit sharing.

The role

MISSION

Contribute to the continuous improvement and application of efficiencies within the Department, controlling the proper functioning of tools alongside operational support, ensuring their correct use, and managing any incidents related to them.

Participate in projects as a Business Expert, either individually or together with the Project Risk Manager, at both a Departmental and Cross-functional level.

Participate in the development and monitoring of automatic decision models at a local level and together with Corporate. Statistical analysis and model monitoring.

Management of databases and studies for the Credit Risk area.

Regulatory compliance and validation.

Participation in the international Credit Risk - Retail community.

What you'll do

· Lead projects personally or participate as a Business Expert together with the Project Risk Manager.

· Participate in cross-functional initiatives from other business areas.

· Contribute to continuous improvement initiatives within the department, working jointly and providing support to 1LoD (First Line of Defense).

· Create and refine granting scores (internal, generic to the BNP Paribas group, or external).

· Implement and develop expert systems for retail risk decision-making.

· Perform statistical studies related to retail credit risk.

· Monitor the performance of decision systems (back-testing).

· Analyze and explain fluctuations in risk indicators.

· Build databases adapted to the needs of the Risk area.

· Carry out statistical studies for risk management and supervision.

· Collaborate in Retail Risk Committees at local and international levels.

· Develop and update Arval corporate credit policies for retail.

· Improvement of processes and tools.

· Assist and advise users of the Risk tools. Manage incidents regarding the Risk tools.

· Complete the established Controls on the Risk tools and linked processes.

· Participate in the definition of KPIs and actions for the continuous improvement of the Department and their monitoring.

· Identify and define improvements in collaboration with other Business Experts at a local level and counterparts in other countries.

· Participate in the analysis and management of the various development requests from the Department and the rest of the business, analyzing feasibility and possible impacts.

· Collaborate with functional and software quality analysts in the drafting of requirements and validation of specifications, as well as in the optimization of system testing processes.

COMPETENCIES

  • Technical

· Analysis methodology and process and functional design.

· Testing methodology.

· Predictive modeling.

· Data processing.

· Project management and continuous process improvement.

Transferable & Behavioral Skills

· Seniority and empowerment to make decisions within their scope.

· Capacity for organization, planning, and responsibility for deliveries.

· Anticipation and adaptation. Problem solving.

· Communication and negotiation skills. Interpersonal skills.

· Attention to detail / Rigor. Critical thinking.

Hiring process

At least two interviews for every role; some roles add more interviews or tests. About a month, depending on the role

  • Some roles involve more interviews and/or tests.

About BNP Paribas

BNP Paribas is a leading European banking and financial services group, operating in 64 countries with over 180,000 employees. In Spain, it employs around 5,450 professionals, offering corporate and institutional banking, investment and protection services, and retail banking solutions.

Industry
Banking
Founded
1966
Employees
100,000+
Headquarters
Paris, France
In Spain
Madrid, Barcelona

Good to know if you are moving

  • BNP Paribas in Spain has offices in Madrid and Barcelona, with a significant presence in the capital.
  • The company offers a range of roles in finance, risk, IT, and operations, often with opportunities for trainees and junior professionals.
  • Spanish language skills are typically required for many positions, though some roles may be open to international candidates.
  • The bank is known for its commitment to sustainable finance and corporate responsibility, which may appeal to values-driven professionals.

In their own words

About the company & team

BNP Paribas Group is the leading bank in the European Union and one of the most important internationally. We have nearly 185,000 employees in 65 countries. In Spain, we have more than 5,100 employees across 13 business lines.

At Arval, our mission is to improve people's lives by offering mobility services adapted to our customers' needs, with a clear focus on sustainable mobility. We offer a wide range of innovative solutions and provide personalized service to our customers, from large corporations to individuals. With over 30 years of experience, a presence in thirty countries, and a fleet of over 1.5 million financed vehicles, we are leaders in our sector

Additional information

BNP Paribas Group in Spain is an equal opportunity employer and prides itself on providing equal employment opportunities to all job seekers. We are actively committed to ensuring that no person is discriminated against on the grounds of age, disability, gender reassignment, marital or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the heart of our recruitment policy because we believe they foster creativity and efficiency, which in turn increases performance and productivity. Therefore, on an equal footing in terms of qualifications and competencies for the position, the candidate of the least represented sex at that level will be selected. We strive to reflect the society in which we live, maintaining the image of our clients.

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