Ibercaja is one of the leading Spanish banking groups, offering a comprehensive range of financial services including retail banking, asset management, and insurance. With over 140 years of history, the institution operates a vast network of branches across Spain, serving millions of customers and maintaining a significant position in the national financial landscape.

Headquartered in Zaragoza, Ibercaja maintains a dominant presence in the regions of Aragon, La Rioja, and Guadalajara, while also operating major hubs in Madrid and Barcelona. For international professionals, the company offers opportunities in specialized areas such as risk management, data analysis, and corporate banking, though a high level of Spanish proficiency is typically required for most roles.

Founded in 1876 as a savings bank in Zaragoza, Ibercaja has evolved into a major commercial banking group. It successfully navigated the restructuring of the Spanish financial sector in 2011 to become a modern, competitive bank.

For international professionals

Headquartered in Zaragoza, offering a lower cost of living compared to Madrid or Barcelona.
Strong focus on digital transformation and risk management roles.
Primarily operates in Spanish; professional fluency in the language is essential.
Offers a stable corporate environment within one of Spain's top ten banking groups.

Credit Risk Control Technician

Ibercaja

This job was originally posted in Spanish and automatically translated to English. You'll most likely need Spanish to apply.

Job Description

At Ibercaja, we accompany people, helping them make financial decisions at the most important moments of their lives; therefore, our professionalism: rigor, efficiency, agility, and integrity is a key value.

What are we looking for?

A professional for the Credit Risk Control team within the Risk Control Department.

The objective of this position is to collaborate in credit risk control tasks, with special attention to the exploitation, processing, and analysis of information for reporting purposes.

Requirements

University degree in Economics, Business Administration, FICO (a strong academic record is highly valued)
Postgraduate training in financial risks, FRM, quantitative finance, credit risk modeling...
High level of office software proficiency.
Knowledge of programming tools (SQL, Python).

What will your responsibilities be?

Processing credit risk information for presentation as reporting information to management and governing bodies.
Collaborating in the automation of information generation processes to improve efficiency and reduce operational risk.
Monitoring the risk profile through the monthly evolution of the main credit risk magnitudes. To this end, both RAF metrics, as well as operational metrics or other management indicators, will be monitored.
Reviewing first-line controls to assess both their functioning and their sufficiency. Identification is carried out based on credit risk policies and manuals.
Reviewing first-line processes associated with various areas of admission, monitoring, and recovery, as well as assessing their control environment.
Performing second-line controls on credit risk processes to verify proper compliance with policies, both through automatic processes and sample analysis.

What is our value proposition for you?

Being part of the team of a Bank whose purpose is to help people through proximity and honesty.
Developing an internal professional career, with follow-up through individual evaluations.
Personal training program to ensure your learning is continuous.
Attractive social benefits package: pension plan, study grants, and preferential financial conditions.
Flexible remuneration applied to health, transport, training, languages, among others.
Flexibility measures.

View original advert (Spanish)

En Ibercaja acompañamos a las personas, ayudándoles a tomar las decisiones financieras en los momentos más importantes de su vida, por ello nuestra profesionalidad: rigor, eficacia, agilidad e integridad es un valor clave.

¿Qué buscamos?

A un/a profesional para el equipo de Control de Riesgo de Crédito en la Dirección de control de Riesgos.

El objetivo de este puesto es colaborar en los trabajos de control de riesgo de crédito con espacial atención a la explotación, tratamiento y análisis de información para su reporting.

Requerimientos

Grado universitario en Economía, ADE, FICO (muy valorable buen expediente académico)
Formación posgrado de riesgos financieros, FRM, finanzas cuantitativas, modelización riesgo de crédito...
Alto nivel de ofimática.
Conocimientos de herramientas de programación (SQL, Python).

¿Cuáles serán tus responsabilidades?

Tratamiento de la información de riesgo de crédito para su presentación como información de reporting a dirección y organos de gobierno.
Colaborar en la automatización de los procesos de generación de información para mejorar su eficiencia y reducir el riesgo operacional.
Seguimiento del perfil de riesgos a través de la evolución mensual de las principales magnitudes de riesgo de crédito. Para ello se monitorizarán tanto méticas RAF, como métricas operativas u otros indicadores de gestión.
Revisión de controles de primera línea para valorar tanto su funcionamiento como la suficiencia de los mismos. la identificación se realiza a partir de las politicas y manuales de riesgo de crédito.
Revisión de los procesos de primera línea asociados a los diversos ámbitos de adminisión, seguimiento y recuperación así como la valoración de su entorno de control.
Realización de controles propios de segunda línea sobre los procesos de riesgo de crédito para verificar el adecuado cumplimiento de las políticas, tanto a través de procesos automáticos como del análisis de muestras.

¿Cuál es nuestra propuesta de valor para ti?

Formar parte del equipo de un Banco cuyo propósito es ayudar a la personas desde la cercanía y la honestidad.
Desarrollar una carrera profesional interna, seguimiento con evaluaciones individuales.
Programa formativo personal para que que tu aprendizaje sea continúo.
Atractivo paquete de beneficios sociales: plan de pensiones, ayuda de estudios y condiciones financieras preferentes.
Retribución flexible aplicada a salud, transporte, formación, idiomas, entre otros.
Medidas de flexibilidad.