RECOVERIES ANALYST II

Description

Job Summary: We are seeking a professional to analyze credit risks, propose process and model improvements, and manage reporting solutions for the retail portfolio. Key Highlights: 1. Professional development within a global and innovative company. 2. Being part of a diverse and collaborative team. 3. Opportunity to impact risk management and banking strategy. **Want to advance your professional career?** BBVA is a global company with over 160 years of history, operating in more than 25 countries, serving over 80 million customers. We are more than 121\.000 professionals working in multidisciplinary teams with diverse profiles, including finance specialists, legal experts, data scientists, developers, engineers, and designers. Our people make the difference in our success. **Contract Type:** Regular (Undefined) **What Are We Looking For?** Responsibilities: * Conduct credit risk analysis of credit proposals, aiming to restructure debt to contain deterioration of the assigned retail portfolio: * PROACTIVE ADMISSION \- Propose criteria and/or models to apply to potential customer databases to grant restructuring based on defined criteria \- Monitor correct application of rules across customer databases. * Enhance information and streamline the generation process of * databases * Perform follow-up reporting on databases and validate effectiveness. \- Analyze proposals for changes and modifications to database logic \- Build and validate tracking indicators. * Prepare presentations for Committees * Participate in various forums and/or working groups to review improvement proposals / results. * REACTIVE ADMISSION \- Sanction credit transactions, as required and according to the assigned delegation level, across various Bank applications, consistently complying with * current legal provisions, Corporate regulations, local regulations, and SBS regulations. (Validations and visualizations of account movements, lines, guarantees, financial system, ineligible entities, economic groups) \- Visit clients within your assigned segment to gain deeper understanding of business management, client characteristics, information verification, etc. * Coordinate, propose, and manage improvements and/or additional conditions with the Commercial Network and Solution Office. * Prepare presentations for Committees * Participate in various * forums and/or working groups to review improvement proposals / results. * Issue non-compliance alerts regarding operational conditions to Control Units. * Understand and adhere to delegated authority limits at each level for sanctioning/closing credit reports. * Comply with established ANS. * Participate in risk training for commercial teams and recoveries in managing credit facilities to prevent payment defaults among Retail Banking customers. * Design and implement business-driven reporting solutions using bank-aligned tools or methodologies (engines, algorithms, databases, visualization programming, dashboards, etc.). Requirements * Professional degree in Systems Engineering, Industrial Engineering, Statistics, or related fields. * Experience in information analysis, including dashboard creation and automation. * Analytical profile with interest in learning about the risk area. * Knowledge of SQL, Power BI, Python, R, and others. **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 the 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 opportunity**, regardless of race, gender, age, religion, sexual orientation, gender identity, gender expression, among others. We foster a collaborative and inclusive work environment that allows everyone to bring forth their best selves. **Our Values** -------------------- **Our values define our identity** and serve as the driving force enabling us to fulfill our purpose and guiding 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 permit and/or residence permit, as well as comply with any other requirements imposed by applicable labor and immigration regulations or local professional regulations governing the position in that country. In the event you are selected as the final candidate, BBVA may assist you in processing the corresponding permit/visa, with the understanding that if, for any reason (i.) the relevant visa and/or work permit and/or residence permit is not issued, or (ii.) any other requirements mandated by applicable labor and/or immigration and/or local professional regulations for performing the position in that country are not met, unfortunately you will be excluded from the position. Likewise, if you already hold a visa and/or work permit and/or residence permit for the relevant country, please indicate this when applying for the position.