Job Summary: We are seeking a professional to carry out commercial activities, maintain databases, provide personalized customer service, manage commercial activities and proactively handle the client portfolio, and resolve incidents. Key Highlights: 1. Professional development in a global environment 2. Promotion of diversity, inclusion, and equal opportunities 3. Culture rooted in values that drive purpose **Do you want to develop 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:** Permanent (Indefinite) **What Are We Looking For?** * Carry out commercial actions and campaigns targeting non-customized segment clients, as well as optional clients of the branch not assigned to any portfolio. * Keep the database for current and potential clients updated with high-quality information. * Provide the first point of personalized customer service when commercial activity takes place within the branch premises. * Plan and support, using available tools, the management of commercial activities in coordination with the Branch Manager to achieve product/service/migration targets. * Conduct telephone outreach to clients, as well as certain actions targeting non-clients. * Proactively manage the non-customized and optional client base in terms of service quality and management outcomes, both via telephone and in-person. * Seize all opportunities arising on-site to market products and services, as well as to update and maintain customer data—consistently and prioritized in every interaction. * Continuously perform cross-selling during client interactions—not limiting oneself to a single product or transaction, but continuing the process of selling complementary products whenever possible. * Gain maximum insight into customers and their needs, leveraging available tools. * Provide comprehensive customer service, maintaining an ongoing commitment to service quality and promoting migration of customers and transactions to alternative channels. * Responsibly manage resolution of incidents or complaints, ensuring service quality and prompt response. * Identify dissatisfied customers or those intending to terminate their relationship with the Bank, in order to offer alternatives that may ensure their continued relationship, always considering value-added contributions. * Base actions on objectives and activities outlined in the Commercial Systematics, prepared monthly by the Branch Manager in coordination with the Personal Banking Executive. * Continuously monitor live risk and act preventively upon risk alerts, anticipating potential deterioration in portfolio risk quality. * Permanently manage overdue risk (personal loans, credit cards, overdrafts, etc.) to plan and execute necessary recovery actions. * Adequately monitor the PPG related to assigned objectives and activities, and implement corrective and adjustment measures as needed, in coordination with the Branch Manager. * Attend all meetings to which invited and actively participate, informing branch members of issues identified during management work, and highlighting relevant aspects regarding the characteristics and needs of clients within one’s segment. * Evaluate and analyze credit operations and escalate them to appropriate levels; rectify documentation observations until approval is achieved. * Provide comprehensive service, including certain contracting, front-office, and operational tasks. * Open all types of accounts required by the assigned client portfolio. * Inform, pre-qualify, and issue Credit and Debit Cards (within delegated authority). Also assign, cancel, or block coordinated cards and debit cards. * Send documentation for deteriorated loans to the Extrajudicial and/or Legal departments (in coordination with the Branch Manager). * Perform registration, maintenance, and cancellation of direct debits. * Implement adequate controls to ensure batch transaction processes are completed properly—for example, card cancellations before settlement dates, etc. * Update, clean, and archive client documentation appropriately. * Update the database with high-quality documentation and information. * Consult and record customer information related to anti-money laundering activities. * Evaluate and propose any additional pricing, conditions, etc., and request preferential rates for loan disbursement. Facilitate payment schedule simulations, generate approvals and linkages of approved products in work tools, assist in document legalization, and manage documentation for products accepted by the client. * Carry out comprehensive management and monitoring of one’s own portfolio and team portfolios (analysis, recovery activity management, etc.), both in volume and profitability—as this is one’s responsibility. * Perform other functions assigned by one’s supervisor, responding to business needs. * Validate customer data prior to delivery of requested products. * Manage insurance sales. * Deactivate limits and blocks after validating powers of attorney and signature registrations requested by the customer. **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 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, among others. We foster a collaborative and inclusive work environment that enables everyone to bring forth their best selves. **Our Values** -------------------- **Our values define our identity** and serve as the driving force behind fulfilling our purpose, 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 mandated by local labor and immigration regulations or applicable professional regulations for 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 local labor and/or immigration and/or professional regulations applicable to the position are not met, you will unfortunately 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.
María García
Indeed · HR
María García
Indeed · HR
