BBVA Compass

Assoc Risk Officer II or Risk Officer I-II

Job ID
2017-108408
AL-BIRMINGHAM-CORPORATE HEADQUARTERS
Category
CORPORATE RISK
US-AL-BIRMINGHAM
FLSA Status
EXEMPT
Type
FULL TIME
EOE Statement
Equal Opportunity Employer - Minority/Female/Disability/Veterans.

Overview

At BBVA, we are working to make banking better for everyone. That is where you come in. We are looking for smart, team oriented people who want to be part of a first-class workforce that gives people the tools they need to meet their financial goals, all while delivering an outstanding client experience. Learn more below.

Responsibilities

POSITION PURPOSE: 
 
The Retail Risk Strategies team is part of the Retail Risk Management organization.  It is responsible for the risk strategies, monitoring, and quantitative development of credit risk decision science across the customer lifecycle for all Retail Credit portfolios. 

This individual will focus on developing and optimizing analytically driven credit risk strategies for Retail Business Banking portfolios.  The individual will also identify and integrate new data, scores, tools and solutions to optimize portfolio management over the lifecycle.   Will also undertake complex analytics to support key strategic initiatives for growth, innovation or risk mitigation.    
 
SPECIFIC RESPONSIBILITIES:
Develop and optimize credit risk strategies for Retail Business Banking - using analytical techniques and statistical analysis to meet pre-defined goals

  • Build credit risk strategies for originations, account management and collections
  • Develop risk-based pricing models and strategies within risk appetite and to meet profitability targets
  • Integrate new data sources and solutions into credit risk strategies
  • Develop new quantitatively driven challenger strategies and pilot programs across the customer lifecycle
  • Proactively search for and propose enhancements to processes and development
  • Ad hoc analytics as required
  • Develop and present analysis results and recommendations to senior leaders

Qualifications

REQUIRED EXPERIENCE AND SKILLS:
 

  • Minimum of a Bachelor’s degree in a quantitative discipline, or 5 years relevant experience in a financial services company
  • Highly proficient in Base SAS & Enterprise Miner
  • Knowledge of financial institutions, credit risk, banks regulatory frameworks, and financial analysis a must.  Minimum of 2 years experience in Risk, Accounting, or Finance.
  • Preferred experience in credit risk modeling/analytics, credit risk portfolio management, or credit risk strategy development, especially in small business lending
  • Excellent communication, interpersonal and organization skills
  • Demonstrated analytical and problem solving skills

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