Job Summary: We are seeking a professional to execute and continuously improve analytical and model governance processes for pricing models in Commercial Banking, designing and operationalizing pricing algorithms. Key Highlights: 1. Development and validation of pricing models using Machine Learning 2. Acting as Product Owner in Agile/Scrum teams for models 3. Actively participating in internal communities and promoting innovation **Do you 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 over 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?** Mission: To execute and continuously improve analytical and model governance processes for pricing models in Commercial Banking, ensuring the design, development, validation, and operationalization of pricing algorithms aligned with business strategy and the Advanced Analytics Model Governance Standard, maximizing value for customers and the bank. Responsibilities: * **Discovery and definition of pricing model use cases:** Gather and refine business needs jointly with Pricing Strategy, Product, Risk, and Channels. Translate these needs into concrete analytical use cases for pricing models. Contribute to prioritizing the pricing algorithm backlog based on impact and effort. * **Development and validation of pricing models (Machine Learning):** Design and build Willingness-to-Pay models, Efficient Curves, Optimizers, and other pricing algorithms. Perform required data processing and feature engineering for models. Apply modeling best practices (validation, robustness, interpretability, documentation). Explore new state-of-the-art approaches (lifetime modeling, deep learning, causal inference, reinforcement learning, etc.) when they add business value. * **Operationalization and Product Owner role in projects:** Act as Product Owner for models in Agile/Scrum teams, defining user stories and acceptance criteria. Scaffold and refactor notebooks to convert them into scalable, reproducible, and maintainable engineering code. Coordinate with Development/MLOps/Engineering teams for integration * **Model governance and lifecycle management:** Apply the Advanced Analytics Model Governance Standard across all lifecycle phases. Prepare and maintain technical and functional model documentation and supporting evidence for audit purposes. Monitor technical and business performance of models in production, identifying miscalibrations or anomalies. Report data or model behavior incidents or inconsistencies to the Domain Owner and relevant areas, proposing corrective actions * **Impact measurement and support for Pricing Strategy:** Define KPIs for each model’s success (margin, conversion, discount, risk, etc.) jointly with the business. Analyze model impact on campaigns, pricing strategies, and A/B pricing tests. Prepare reports and recommendations linking model outcomes to pricing decisions and commercial actions. * **Knowledge sharing, collaboration, and innovation:** Actively participate in internal communities (CoPs), sharing learnings and best practices. Collaborate on replicating and adapting pricing model solutions across other BBVA Group geographies or business units. Stay updated on advanced data science and MLOps techniques and tools. Drive continuous improvement initiatives for team processes, tools, and code quality. * **Strategic functions in absence of a dedicated Pricing Strategy role:** Provide strategic analytical support in defining pricing strategies for assets, liabilities, and fees using available models. Conduct financial data queries and verifications in internal bank tools (e.g., BG, GP92, PE26, PE27, PE29, and equivalents) to validate pricing hypotheses. Simulate pricing scenarios, develop value maps, and generate recommendations for committees or commercial teams. Provide expert (non-operational) support to the branch network and other stakeholders regarding tariffs, fees, and model outputs, delegating operational changes to respective teams. * Other responsibilities assigned by the leader and driving continuous improvement of the role. Requirements: * Degree in Data Science, Statistics, Systems Engineering, Industrial Engineering, Analytical Economics, or related fields. * Prior experience (3–4 years) in designing, deploying, and monitoring analytical models in production environments (preferably in financial products/liabilities). * Proficiency in Python, SQL, AWS architecture, and Big Data / Cloud ecosystems. * Mindset oriented toward efficiency and innovation through AI tools (GenAI, Agents, Code Copilots). * Strategic business vision, critical thinking, and ability to effectively communicate findings to key stakeholders. **Responsible Banking** --------------------- Our responsible banking model **aims to achieve 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 everyone. **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 cultivate a collaborative and inclusive work environment that enables each person to show their best self. **Our Values** -------------------- **Our values define our identity** and serve as the lever that drives us to realize 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 permit and/or residence permit, as well as comply with any other requirements mandated by local labor and immigration regulations or applicable professional regulations for the position in that country. In case you are selected as the final candidate, BBVA may assist you in processing the corresponding permit/visa, provided 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 local labor and/or immigration and/or professional regulations applicable to 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 so when applying for the position.
María García
Indeed · HR
María García
Indeed · HR
