**Do you want to develop your professional career?** BBVA is a global company with more than 160 years of history operating in over 25 countries, serving more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with diverse profiles including finance, legal experts, data scientists, developers, engineers, and designers. Our people make the difference in our success. **Type of Contract:** Regular (Undefined) **What are we looking for?** Responsibilities Ensure the proper functioning of the team under their responsibility. Manage credit operations to meet daily productivity and established ANS targets. Conduct appropriate credit risk analysis of proposals within their scope. Issue alerts regarding non-compliance with operational conditions, delegation limits of branches, or operations with alerts to Internal Control and Retail Policies units. Participate in retail credit risk training for various departments as required. Evaluate, supervise, and authorize personnel expenses incurred during the performance of their duties. Encourage and lead teamwork, development of direct reports, and foster a positive work environment. Perform monitoring and analysis of early delinquency proposals. Ensure good performance of early harvests of operations under their scope and those of their delegates. Actively participate in continuous improvement initiatives and execution of assigned projects. Conduct in-person visits to clients as part of constant market monitoring, identification of sector alerts, and updating informality margins and reference indicators. Advise on proposal presentations to the branch network. Ensure proper performance of IRENE RED. Ensure favorable outcomes in Internal Control's CATAS review of operations under their scope. Ensure good performance of internal unit KPIs (Forzajes, MDA, etc). Requirements Professional degree in economics, business administration, industrial engineering, or related fields. Knowledge and experience in SMEs. Experience leading and managing teams. Availability to work in Metropolitan Lima. **Responsible Banking** --------------------- Our responsible banking model **aims to build a more inclusive and sustainable society.** Because the future of finance is financing the future. We began with the spirit of helping others make the best financial decisions. That spirit remains today and drives us forward, prioritizing innovation and digital transformation, and making opportunities of this new era accessible to all. **Diversity** -------------- At BBVA, we believe that having a **diverse team** makes us a better bank. For this reason, we **actively support diversity, inclusion, and equal opportunities**, regardless of race, gender, age, religion, sexual orientation, gender identity, gender expression, and others. We cultivate a collaborative and inclusive work environment that allows everyone to show their best selves. **Our Values** -------------------- **Our values define our identity** and are the driving force that enables us to fulfill our purpose and guide all our actions and decisions. **Legal Requirements** If the position you are applying for is located outside the country where you currently reside, you may need to obtain a visa and/or work and/or residence permit, as well as meet any other requirements imposed by labor and immigration regulations or applicable local professional rules in the respective country. In the event that you are the final candidate, BBVA may assist you in processing the corresponding permit/visa, understanding that if, for any reason, (i.) the corresponding visa and/or work and/or residence permit is not issued, or (ii.) any other requirements imposed by applicable labor and/or immigration regulations and/or local professional rules for the performance of the role in the country are not met, unfortunately you will be excluded from the position. Likewise, if you already hold a visa and/or work and/or residence permit for the respective country, please indicate this when applying for the position.