GRUPO BNP PARIBAS

El Grupo BNP Paribas es el principal banco de la Unión Europea y uno de los más importantes a nivel internacional. Contamos con cerca de 185.000 empleados en 65 países. En España somos más de 5.100 empleados en 13 líneas de negocio.

ARVAL

En Arval tenemos como misión mejorar la vida de las personas ofreciendo servicios de movilidad adaptados a las necesidades de nuestros clientes y con una clara orientación hacia la movilidad sostenible. Ofrecemos una amplia gama de soluciones innovadoras y proporcionamos un servicio personalizado a nuestros clientes, desde grandes corporaciones a particulares. Con más de 30 años de experiencia, presencia en treinta países y una flota financiada superior a 1,5 millones de vehículos, somos líderes en nuestro sector

SOBRE EL PUESTO

Misión:

Garantizar la correcta ejecución del proceso de onboarding de clientes, asegurando el cumplimiento de las políticas de riesgos, KYC, KYI, KYX de la compañía. Ejecutar la gestión integral, registro y verificación de clientes, validando la documentación, mitigando riesgos y previniendo fraudes, de acuerdo con las normativas y directrices marcadas por el Grupo (BNPP)

Funciones principales:

• Asegurar la correcta recopilación, validación y registro de la documentación de riesgos, en las herramientas correspondientes.
• Evaluar y verificar que todos los datos de clientes cumplan con las normativas internas y regulatorias.
• Gestionar la creación y actualización de centros de facturación, subrogaciones de contrato y modificaciones contractuales (denominación social, forma de pago, canal de venta).
• Realizar controles periódicos de calidad de datos y cumplimiento normativo.
• Análisis de riesgos y control de fraude.
• Actualización y aperturas de las líneas de riesgos.
• Calificación eficiente de todos los clientes cumpliendo con los niveles de decisión impuestos por el Grupo.
• Calificación de proveedores.
• Control de fraude, gestión de alertas y reporte de incidentes operacionales.
• Analizar alertas desencadenadas en el sistema y tratarlas según el protocolo establecido.
• Escalar a Compliance los casos HR (High Risk) y PEP (Personas Expuestas Políticamente), garantizando la correcta documentación y justificación.
• Asegurar el cumplimiento de las SLA en las solicitudes, según los requerimientos del negocio.

REQUISITOS

Formación:

Licenciatura Económicas / Administración de Empresas.

 Experiencia:

• Experiencia en análisis de riesgos, prevención de fraude y cumplimiento normativo KYC/KYI/KYX.

Competencias técnicas

• Conocimiento en normativas regulatorias y políticas de compliance.
• Habilidad analítica y orientación a la resolución de problemas.
• Manejo de herramientas digitales y plataformas de gestión documental.
• Excel. Nivel intermedio

BENEFICIOS

• Programas de formación, planes de carrera y oportunidades de movilidad interna, no solo a nivel nacional sino también a nivel internacional gracias a nuestra presencia en diferentes países.

• Comité de Diversidad e Inclusión a nivel Grupo que vela por un ambiente de trabajo inclusivo. En los últimos años se han creado varias comunidades de empleados que organizan diferentes acciones de concienciación en torno a la diversidad e inclusión (PRIDE, We Generations y MixCity).

• Programa de voluntariado corporativo (1 Million Hours 2 Help) en el que los empleados pueden dedicar tiempo de su horario laboral a actividades de voluntariado.

• Plan de retribución flexible: tarjeta restaurante, seguro médico, guardería, tarjeta transporte, formación.

• Modelo de teletrabajo híbrido (50%).

• 22 días de vacaciones.

• 3 días de asuntos propios.

• Día libre a elegir entre Nochebuena y Nochevieja.

• Tarde libre el día de tu cumpleaños.

• Jornada intensiva todos los viernes y en julio y agosto.

• Flexibilidad horaria.

• Seguro de vida.

• Seguro médico.

• Bolsa de beneficios: 1.740€/año de ayuda comida y 1.091€/año de seguro médico.

• Salario fijo + bonus variable + participación en beneficios.

Compromiso de diversidad e inclusión

BNP Paribas Grupo en España es un empleador que ofrece igualdad de oportunidades y se enorgullece de brindar igualdad de oportunidades de empleo a todos los que buscan trabajo. Nos comprometemos activamente a garantizar que ninguna persona sea discriminada por motivos de edad, discapacidad, cambio de género, estado civil o de matrimonio, embarazo y maternidad/paternidad, raza, religión o creencias, sexo u orientación sexual. La equidad y la diversidad están en el centro de nuestra política de contratación porque creemos que fomentan la creatividad y la eficiencia, lo que a su vez aumenta el rendimiento y la productividad. Por tanto, en igualdad de condiciones en cuanto a cualificación y competencias para el puesto, accederá la persona candidata del sexo menos representado en ese nivel. Nos esforzamos por reflejar la sociedad en la que vivimos, manteniendo la imagen de nuestros clientes.   

GRUPO BNP PARIBAS

El Grupo BNP Paribas es el principal banco de la Unión Europea y uno de los más importantes a nivel internacional. Contamos con cerca de 185.000 empleados en 65 países. En España somos más de 5.100 empleados en 13 líneas de negocio.

 REAL ESTATE

BNP Paribas Real Estate presta servicios a lo largo de todo el ciclo de vida del inmueble: transacción, consultoría, valoración, Property Management e Investment Management. Cuenta con un equipo de Project Management dedicado a la planificación, coordinación y gestión de procesos constructivos, y otro para el estudio de los mercados.

SOBRE EL PUESTO

MISION

Facilitar y ejecutar el análisis de la evolución de todos los segmentos que componen el sector inmobiliario. Su objetivo principal es proporcionar información de mercado actualizada y cualificada tanto a nivel interno como a clientes estratégicos para la compañía.

RESPONSABILIDADES

• Investigar y analizar tendencias del mercado inmobiliario local, regional y global. Evaluar la demanda y oferta de diferentes tipos de activos inmobiliarios.

• Realizar análisis financiero detallado del activo, incluyendo evaluación de rentabilidad, flujo de caja, valoración y riesgos asociados.

• Preparar informes de mercado y presentaciones para clientes, inversores y la alta dirección. Presentar recomendaciones basadas en análisis y proyecciones financieras.

• Asistir en el cierre efectivo de propuestas coordinando con equipos legales, data control y financiero. Tener actualizado el WIP.

• Mantener relaciones sólidas con clientes existentes y potenciales. 

• Participar en reuniones y presentaciones para explicar el mercado inmobiliario y sus fundamentales.

• Seguir de cerca las actividades del mercado y la competencia para identificar oportunidades y riesgos emergentes

REQUISITOS

*Imprescindible incorporación inmediata y posibilidad de firmar convenio de prácticas con la universidad.

·       Cursando o finalizando grado en Ingeniería, ADE, Finanzas, Economía o similares. Valorable Máster. 

·       Valorable experiencia previa en análisis financiero, descuentos de flujos de caja, modelización financiera y/o evaluación de inversiones inmobiliarias.

·       Inglés fluido: mín. C1. Francés valorable.

·       Habilidades en Paquete Office, sobre todo Excel.

COMPETENCIAS CLAVE

·       Proactividad

·       Capacidad de análisis y de anticipar evoluciones estratégicas del negocio

·       Atención al detalle

·       Capacidad para colaborar y trabajar en equipo

·       Capacidad para comunicar tanto oralmente como por escrito 

Compromiso de diversidad e inclusión

BNP Paribas Grupo en España es un empleador que ofrece igualdad de oportunidades y se enorgullece de brindar igualdad de oportunidades de empleo a todos los que buscan trabajo. Nos comprometemos activamente a garantizar que ninguna persona sea discriminada por motivos de edad, discapacidad, cambio de género, estado civil o de matrimonio, embarazo y maternidad/paternidad, raza, religión o creencias, sexo u orientación sexual. La equidad y la diversidad están en el centro de nuestra política de contratación porque creemos que fomentan la creatividad y la eficiencia, lo que a su vez aumenta el rendimiento y la productividad. Por tanto, en igualdad de condiciones en cuanto a cualificación y competencias para el puesto, accederá la persona candidata del sexo menos representado en ese nivel. Nos esforzamos por reflejar la sociedad en la que vivimos, manteniendo la imagen de nuestros clientes.

Ready to shape robust model risk practices for market, counterparty and valuation risk?
Want to influence decisions that protect BNP Paribas’ risk appetite worldwide?
Looking for a team where continuous learning and inclusive culture are core?

INDEX
1️⃣ Who we are
2️⃣ Mission
3️⃣ What you’ll do
4️⃣ What you’ll bring
5️⃣ Our perks
6️⃣ About BNP Paribas

️ WHO WE ARE
We are the RISK FUNCTION, an independent control unit of BNP Paribas Group. As the second line of defence we monitor credit, market, funding, operational and ESG risks. Our Iberian Hub in Madrid delivers consulting, data analysis, AI and cyber‑security services to RISK teams worldwide.

MISSION
As a Model Risk Quantitative Analyst, you will strengthen the Group’s model risk framework for market, counterparty and valuation risk. You will carry out independent reviews, assess model limitations and advise senior stakeholders on risk implications. Your work ensures compliance with regulations such as FRTB and SA‑CCR while supporting informed decision‑making.

WHAT YOU’LL DO

• Perform independent reviews of market, counterparty and valuation risk models, evaluating soundness and limits.
• Analyse model outputs against regulatory standards (FRTB, SA‑CCR) and internal policies.
• Collaborate with model developers, validation managers and business owners to gather data and clarify assumptions.
• Build quantitative tools (Python, C++) to compare model alternatives and present findings to senior stakeholders.

? WHAT YOU’LL BRING

• 5–15 years of quantitative experience, MSc/PhD in financial mathematics or related field.
• Strong expertise in stochastic processes, derivatives pricing and market/counterparty risk modelling.
• Advanced knowledge of capital markets, product liquidity, pricing models and collateral agreements.
• Proficiency in Python, C++, R or Matlab for rapid model analysis.
• Ability to challenge methodologies, influence stakeholders and deliver high‑quality results.

OUR PERKS

• Training programmes, clear career paths and internal mobility across Europe and globally.
• Dynamic Diversity & Inclusion Committee with employee communities such as PRIDE, We Generations and MixCity.
• Corporate volunteering programme (1 Million Hours 2 Help) allowing paid volunteer time.
• Flexible compensation, hybrid work model (50 % remote) and 32 vacation days.
• Access to a global network of professionals and innovative risk‑management tools.
  Learn more about our inclusion policy: Diversity, equality and inclusion BNP Paribas.

ABOUT BNP PARIBAS
We are BNP Paribas, a European banking leader present in 64 countries with over 178 000 professionals. Our three pillars – Domestic Markets, International Financial Services and Corporate & Institutional Banking – serve individuals, SMEs and institutions worldwide. With a presence in Europe, US and Asia‑Pacific, we deliver financing, investment and insurance solutions to help clients achieve goals.

APPLY NOW
Ready to shape the future of model risk at BNP Paribas? Apply now and join our global RISK community. 

Explore more opportunities at BNP Paribas Careers!

Legal Counsel – BNP Paribas Personal Finance (BNP Paribas)

Do you enjoy shaping legal frameworks for consumer finance?
Want to safeguard millions of customers while enabling innovative products?
? Are you looking for a supportive, inclusive environment with growth opportunities?

ABOUT BNP PARIBAS
We are BNP Paribas, Europe’s leading international bank, present in 64 countries with over 178 000 professionals. Our group excels in Retail Banking, Corporate & Institutional Banking and International Financial Services. BNP Paribas Personal Finance is the number‑one provider of consumer financing in Europe, delivering financing, investment and savings solutions to millions of customers.

WHO WE ARE
We are BNP Paribas Personal Finance, the market leader in consumer credit and personal loans in Europe. Through our Cetelem brand we support retailers, auto dealers and major distributors, serving over 20 million customers. With 20 000 colleagues, we combine deep market insight with a strong commitment to responsible finance.

MISSION
As a Legal Counsel, you will protect the legal integrity of our Spanish entities and enable informed business decisions. You will advise on contracts, regulatory compliance and data‑protection matters, while supporting cross‑border projects and group‑level initiatives. Your expertise will ensure that our products are launched safely and in line with the highest legal standards.

WHAT YOU’LL DO

• Draft, review and amend contracts across consumer‑finance and liability products.
• Analyse customer clauses for transparency and banking best‑practice compliance.
• Advise on regulatory requests, supervisory inspections and legislative developments.
• Lead data‑privacy actions, including responses to the Spanish Data Protection Authority.
• Support electronic contracting, cybersecurity and IP matters on the group digital platform.
• Provide legal guidance throughout product design and validation projects.

WHAT YOU’LL BRING

• Law degree (LL.B/LL.M) or equivalent; admission to the bar preferred.
• Minimum 5 years of experience in corporate/financial services law.
• Proven expertise in contract drafting, regulatory compliance and data‑protection.
• Strong analytical skills and ability to translate legal risk into clear business advice.
• Excellent English; fluent Spanish required (additional EU language a plus).
• Collaborative mindset, proactive attitude and high ethical standards.

OUR PERKS

• Comprehensive training programs, clear career paths and internal mobility (national & international).
• Flexible schedule with intensive Fridays and two months of reduced hours in summer.
• Active Diversity & Inclusion Committee and employee networks (PRIDE, We Generations, MixCity).
• Corporate volunteering programme “1 Million Hours 2 Help”.
• Flexible compensation and hybrid tele‑working model (50%).
• 31 vacation days.
• Learn more about our commitment to Diversity, equality and inclusion  BNP Paribas.

The Privacy Program Manager is a Risk Manager reporting to the CIB Data Protection Officer. 

CIB Data Protection Office is part of CIB RISK ORM (Operational Risk Management) Department within BNP Paribas and steers the second Line of Defense for Privacy-related issues throughout CIB worldwide, leveraging on a network of local experts. The DPO monitors the application of the regulations relating to the protection of personal data within CIB, monitoring compliance with applicable regulations and supporting LOD1.

Its activity is part of the overall governance of personal data protection deployed throughout BNP Paribas Group and it is based on the following key responsibilities:

• Management of relations with external stakeholders, including data subjects, CNIL and supervisory authorities responsible for personal data, in relation with the Territory DPOs appointed by BNP Paribas S.A. in each location where CIB is present;
• Supervision of the general framework for personal data protection within CIB; Review and support for the implementation of personal data protection applicable regulations and policies in connection with CIB Functions, ITO, Métiers and Legal department;
• Monitoring of CIB personal data related processes, including Privacy by Design, Record of Processing Activities;
• Deployment of Privacy training and awareness sessions in coordination with the Data Protection first Line of Defense teams;
• Definition and implementation of second level controls and conduct of independent testing on personal data protection.

RESPONSIBILITIES

The Privacy Program Manager is positioned within RISK function and will report to CIB Business Line DPO. He will be responsible for the scope composed of Securities Services, Global Market and Global Banking.

Privacy Program Manager will join a Team with more than 20 different nationalities and super good environment, located in Madrid. You’ll become a team that spans cultures and backgrounds

• Worldwide scope working within all business lines in BNP Paribas
• Possibility to work from home more than 50% of journey
• Direct report to the CIB DPO in Paris
• Good remuneration and Bonus Pool
• MOBILITY inside the Group

DIRECT RESPONSIBILITIES

• Lead operations management for the CIB Data Protection Office with elements such as the team roadmap, team objectives and priorities, initiative portfolio and active matters, among others. 
• Lead initiatives related to organization and risk framework for personal data protection for the worldwide scope of CIB Data Protection Office. 
• Drive the CIB Data protection Office contributions to committees and forums in relation to personal data protection risk management
• Lead functional support to CIB Data Protection Office team in regards to risk monitoring and reporting activities using key metrics provided by Group Data Protection or RISK ORM tools and reporting mechanisms
• Animate and steer the community of territory DPOs and DPCs in the global scope of CIB by keeping them informed of CIB central projects and initiatives and gathering relevant contributions or escalations from regional/territory stakeholders 

CONTRIBUTING RESPONSIBILITIES

• Support communications, training and awareness initiatives managed by the CIB Data Protection Office
• Contribute to RISK ORM CIB and Group Data Protection reporting responsibilities around the scope of CIB Data Protection Office
• Lead cross team projects / global initiatives associated to the CIB Data Protection Office team
• Represent the CIB Data Protection Office in initiatives to enhance data quality in the relevant Group tools (e.g., drafting requirements for change requests, follow-up on implementation and testing, etc.)
• Support the design and the development of the independent testing campaign roadmap and priorities to ensure relevant coverage of privacy risks, including direct controls such as Process reviews and Process reviews and in relation to the CoE for the verification and reperformance controls
•  Support the definition and implementation of the privacy guidelines for the annual Risk and Self-Assessment campaign across the worldwide CIB scope
• Support the execution and results of the campaign execution for the controls performed by the CIB Data Protection Correspondents and support the definition and formalization of the actions deriving from the results of the controls, including direct controls such as Process reviews and Process reviews and in relation to the CoE for the verification and reperformance controls

TECHNICAL COMPETENCES

• Solid Experience in Project Management
• Strong interest and first experience Data Protection and Cyber Security topics – CIPP/E is preferrable
• Developing understanding of the regulatory environment
• Multi-media: active knowledge and experience of digital technologies
• Fluent in English (mandatory) and French (desired)

 BNP Paribas Group in Spain is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

ABOUT THE JOB

The Stress Testing Data Analytics (STDA) team belongs to the Produce Pillar of MS4U department. The MS4U department focuses on several key missions: developing models (pillar 1 and pillar 2), conducting backtestings and simulation activities, producing regulatory stress testing exercises (EBA, ECB), supporting ICAAP and budget exercises, generating IFRS9 ECL reports, preparing regulatory reporting (including climate risk, NPL, benchmarking RWA/IFRS9), and performing local stress tests.

The STDA team consists of data engineers and project managers working within the scope of credit risk and securitization. STDA collects, analyzes, reconciles, and builds databases to ensure the success of these exercises.

The team works in a Big Data environment. Dataiku V14 streamlines collaborative development (in SQL, Pyspark) by allowing multiple team members to design, test, and deploy data workflows, while Power BI enables sharing actionable insights across departments.

The team works in partnership with the IT department on the platform. They support the team on a daily-basis and help with back-end big data engineering support and maintenance.

In this role, you will join the team dedicated to credit risk. Your primary responsibility will be to handle big data, perform data quality assessments, analyze risk parameters across multiple dimensions, report relevant insights based on data analysis and prepare the databases used for the projection of credit risk parameters.

YOUR MAIN ACTIVITIES ARE

• Perform data collection and build/maintain reliable data transformation pipelines
• Work on data ingestion, data quality, data preparation, data cleaning and data analysis
• Automate, optimize and document the data preparation processes
• Develop dynamic Dashboards to report on the most relevant and frequent business topics
• Work closely with data providers and clients to get technical and business requirements 
• Specific contributions to regulatory and internal stress testing exercises

PROFILE AND SKILLS TO SUCCESS

• Strong academic background, with a master’s degree
• Relevant experience in data related roles including analysis, engineering, visualization
• Technical Skills:
  • Significant experience in data exploration and data preparation
  • Proven record in SQL
  • Experience with Python programming language is a must
• Knowledge of Risk Management principles is a plus
• Strong interest in data management and functional content of the stress test data
• Ability to work with tight deadlines and multidisciplinary teams
• Be a team player
• Good organization to follow-up multiple topics
• Reliability and sense of precision
• Good communication skills, both written and verbal
• Languages: English

ABOUT THE TEAM

The team named MS4U, for Models & Simulations for You; which is a cross-functional platform, designed to provide integrated, end-to-end modelling and simulations capability. It unites RISK M&R (Models & Regulatory), STFS (Stress Testing & Financial Simulations), quant teams from RISK CPBS, RISK ESG (modelling), and other modelling competence centres, creating a shared, coherent, Group-wide modelling ecosystem.

By joining MS4U team, you will be part of a dynamic, talented and expert team with an international reach. 

WHY JOINING BNP PARIBAS?

Leading banking institution

BNP Paribas is a leader in the Eurozone, and a prominent international banking institution with strong roots in Europe’s banking history. It has a presence in 65 countries, with around 190 000 Employees – including more than 145 000 in Europe.

International reach

Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions:

• Retail banking, a division that brings together all the Group’s retail activities and specialized business lines;
• Investment & protection services that include specialized businesses offering a wide range of savings, investment and protection services;
• Corporate & institutional banking division offers tailored financial solutions for corporate and institutional clients.

Diversity and Inclusion commitment

BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect on the society we live in, while keeping with the image of our clients.

Commitment towards work/life balance

At BNP Paribas we care about our employees’ well-being and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to being disconnected from work to recharge both physically and mentally. Only through this balance may we all be at our best while working.

Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices.

BNP PARIBAS IN A FEW WORDS

BNP Paribas is the leading bank in the European Union. BNP Paribas has a presence in 60+ countries, with close to 190,000 employees.

The Group supports all its customers – individuals, associations, entrepreneurs, (Medium and Large Corporates), institutions and Sovereigns – in the success of their projects through its financing, investment, savings and protection solutions.

BNP Paribas holds key positions in its three operating divisions:

• Commercial, Personal Banking & Services division brings together all of the Group’s retail activities and specialized business lines
• Investment & Protection Services includes specialized businesses offering a wide range of savings, investment and protection services
• Corporate & Institutional Banking division offers tailored financial solutions for corporate and institutional clients

Our diversified and integrated model fosters close collaboration between our businesses that work towards a shared goal: to be at the service of our clients and the world we live in.

WHY SHOULD YOU CHOOSE BNP PARIBAS FOR THE NEXT STEP IN YOUR CAREER?

Because you want…

• Interesting assignments / New professional challenges. Careers at BNP Paribas are constantly evolving. That’s why we help you develop new skills through lifelong learning, regardless of your career so far.
• To join a solid Group with ambition. The BNP Paribas Group has an enviable reputation for stability and the excellence of our businesses. But for us, the future is about more than just performance; it’s about shared commitments.
• An attractive salary and benefits. We make sure that we pay you the fairest salary possible. But it’s not just the salary that counts :you’ll also enjoy many employee benefits and a healthy work-life balance.

YOUR TEAM

Your team belongs to BNP Paribas RISK Division (5 500+ employees in 50+ countries), recognized for its excellence among its peers. RISK is an integrated and independent function, it covers all the risks of the Bank (credit, market, liquidity, operational, ESG risks). RISK is part of the control functions but is also a partner for Business Lines and helps them sustainably growing.

Inside RISK, MS4U (Model & Simulation for you) is a cross-functional team (400+ teammates), located in 10 countries and designed to provide integrated, end-to-end modelling and simulations capability. MS4U is the backbone of the Group’s future RISK modelling ecosystem. It strengthens our capacity to manage growing complexity, anticipate emerging risks, meet increasing regulatory expectations, and provide RISK, the Businesses and Finance & Strategy with the critical insights needed to make informed decisions. MS4U is structured around five pillars: Produce, Advise, Steer, Model , Remind (Research, Memory and Intelligence of Data).

The Advise Pillar (15+ teammates) ensures Regulatory watch (Regulation anticipation, analysis and advocacy), supports the Top Management when designing modelling strategies and provides quantitative insights to be embedded in decision-making.

Advise – Model portfolio analysis and Strategy  (‘MOMA’) in particular:

• analyses the cost-benefit equilibrium of IRBA approaches use. This analysis is supported by a regular IRBA model inventory, augmented by the most meaningful/innovative indicators, including simulations.
• constructs mid-term model-related trajectory of capital requirements, monitors the impacts for all entities of the Bank and ensures consistence in visions with Finance and Strategy Function
• when necessary, MOMA designs and maintains its own simulation tools.
• also incubates or directly coordinates strategic programs to convert Regulation changes/challenges in transformation opportunities. For example, lately, MOMA has designed  very large/transversal transformation programmes to prepare the Bank to CRR3 (“Basel 4”) or align the model portfolio to Regulatory Guidelines (“IRB Repair”) and even more recently, the PROUD Programme that supports a strategic decision which is the regulatory approach (Internal Rating Based Approaches -‘IRBA’ vs Standardized Approaches) (see below). The first two programmes are pluriannual and mobilize 100+ people in different divisions
• ensures that new models are swiftly implemented and inserted in credit risk processes

Integrating Advise – Model portfolio analysis and Strategy  (‘MOMA’) gives you a lot of visibility and responsibilities.

YOUR MISSIONS 

You will join the PPU Roll‑Out Decision team, a strategic workforce at the heart of BNPP’s credit risk framework. The team plays a key role in shaping regulatory approach decisions across the credit risk perimeter, ensuring the right balance between internal models and standardized approaches in a constantly evolving regulatory environment.

Your mission is to structure, steer, and industrialize regulatory approach decision‑making, with a direct impact on capital requirements, modelling strategy, and the Bank’s long‑term roadmap.

More specifically, you will:

• Design and formalize a robust and transparent framework for regulatory approach selection (internal models vs. standardized approach)
• Translate key CRR concepts, such as Exposure Type, into operational decision drivers supporting regulatory justification
• Industrialize regulatory approach management within BNPP IT systems to enhance data quality, reduce operational risk, and strengthen governance

You will work in close collaboration with Finance, Risk, and Capital Management teams, and actively contribute to strategic discussions with CFOs and CROs. Through this transversal role, you will benefit from top‑level visibility and contribute to decisions shaping the 5‑year modelling roadmap of the Group.

YOUR KEY RESPONSIBILITIES

On a day‑to‑day basis, you will:

• Produce and maintain the Bank’s credit risk cartography, mapping exposures to their regulatory approaches
  • Analyze credit risk databases
  • Deliver and explain the PPU Roll‑Out Matrix, a cornerstone of regulatory approach monitoring
• Ensure the robustness of this Matrix
  • Perform controls and consistency checks
  • Analyze and explain changes in regulatory approach, EAD, and RWA
  • Interact with Business Lines
• Support the annual credit risk portfolio review
  • Actively contribute to the yearly regulatory approach assignment process
  • Engage with Business Line CFOs and CROs to support informed decision‑making
• Contribute to the definition of the 5‑year modelling strategy, working with all relevant stakeholders across Risk, Finance, IT, and Governance
• Drive continuous improvement initiatives
  • Support industrialization and automation projects
  • Participate in remediation actions and process enhancements
  • Identify and address operational and data quality improvement needs
• Interact with other MS4U Pilars

This position offers a unique combination of strategic influence, transversal exposure, and technical depth. You will sit at the crossroads of regulation, modelling strategy, capital management, and IT transformation, playing a key role in how BNPP manages credit risk and regulatory capital over the long term.

EXPERTISE AND SKILLS

Business skills:

1. Data Processing – with Excel/SAS/Python (Expert)
2. Data Visualization – with Excel/Python/R/Power BI/Tableau (Expert)
3. Credit risk modelling (Proficient)
4. Capital Requirement related Regulatory environment (Proficient)
5. Relationship management with Supervisors (Proficient)

Transversal skills:

1. Ability to create relevant indicators and to inspire others & generate people’s commitment (Proficient)
2. Analytical Ability (Proficient)
3. Ability to manage/facilitate a meeting, committee … (Proficient)
4. Ability to explain technical topics in simple terms (Proficient)
5. Ability to develop and adapt a process (Proficient)

Behavioral skills:

1. Ability to collaborate/Teamwork
2. Communication Skills – Oral & Written
3. Adaptability/Autonomy
4. Attention to Detail/Rigour
5. Curious

PROFILE

Graduated from at least a master’s degree with a specialization in finance, risk, data science, statistics or economics

ABOUT THE JOB

 The Stress Testing Data Analytics (STDA) team belongs to the Produce Pillar of MS4U department. The MS4U department focuses on several key missions: developing models (pillar 1 and pillar 2), conducting backtestings and simulation activities, producing regulatory stress testing exercises (EBA, ECB), supporting ICAAP and budget exercises, generating IFRS9 ECL reports, preparing regulatory reporting (including climate risk, NPL, benchmarking RWA/IFRS9), and performing local stress tests.

The STDA team consists of data engineers and project managers working within the scope of credit risk and securitization. STDA collects, analyzes, reconciles, and builds databases to ensure the success of these exercises.

 The team works in a Big Data environment. Dataiku V14 streamlines collaborative development (in SQL, Pyspark) by allowing multiple team members to design, test, and deploy data workflows, while Power BI enables sharing actionable insights across departments.

 The team works in partnership with the IT department on the platform. They support the team on a daily-basis and help with back-end big data engineering support and maintenance.

 In this role, you will join the team dedicated to credit risk. Your primary responsibility will be to handle big data, perform data quality assessments, analyze risk parameters across multiple dimensions, report relevant insights based on data analysis and prepare the databases used for the projection of credit risk parameters.

 YOUR MAIN ACTIVITIES ARE

 * Perform data collection and build/maintain reliable data transformation pipelines
 * Work on data ingestion, data quality, data preparation, data cleaning and data analysis
 * Automate, optimize and document the data preparation processes
 * Develop dynamic Dashboards to report on the most relevant and frequent business topics
 * Work closely with data providers and clients to get technical and business requirements 
 * Specific contributions to regulatory and internal stress testing exercises

 PROFILE AND SKILLS TO SUCCESS

 * Strong academic background, with a master’s degree
 * Relevant experience in data related roles including analysis, engineering, visualization

 * Technical Skills:
 * Significant experience in data exploration and data preparation
 * Proven record in SQL
 * Experience with Python programming language is a must

 * Knowledge of Risk Management principles is a plus
 * Strong interest in data management and functional content of the stress test data
* Ability to work with tight deadlines and multidisciplinary teams
 * Be a team player
 * Good organization to follow-up multiple topics
 * Reliability and sense of precision
 * Good communication skills, both written and verbal
 * Languages: English

 ABOUT THE TEAM

The team named MS4U, for Models & Simulations for You; which is a cross-functional platform, designed to provide integrated, end-to-end modelling and simulations capability. It unites RISK M&R (Models & Regulatory), STFS (Stress Testing & Financial Simulations), quant teams from RISK CPBS, RISK ESG (modelling), and other modelling competence centres, creating a shared, coherent, Group-wide modelling ecosystem.

 By joining MS4U team, you will be part of a dynamic, talented and expert team with an international reach. 

 WHY JOINING BNP PARIBAS?

 Leading banking institution

 BNP Paribas is a leader in the Eurozone, and a prominent international banking institution with strong roots in Europe’s banking history. It has a presence in 65 countries, with around 190 000 Employees – including more than 145 000 in Europe.

 International reach

 Thanks to its international presence and regular and close collaboration among its different entities, BNP Paribas has the resources to support all clients with financing, investment, savings and protection solutions that help make their projects a success. BNP Paribas holds key positions in its three core operating divisions:
 * Retail banking, a division that brings together all the Group’s retail activities and specialized business lines;
 * Investment & protection services that include specialized businesses offering a wide range of savings, investment and protection services;
 * Corporate & institutional banking division offers tailored financial solutions for corporate and institutional clients.

 Diversity and Inclusion commitment

BNP Paribas is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect on the society we live in, while keeping with the image of our clients.

 Commitment towards work/life balance

 At BNP Paribas we care about our employees’ well-being and promote a culture of good integration between work and rest. We believe our employees have rich personal lives outside of work, being fundamental to being disconnected from work to recharge both physically and mentally. Only through this balance may we all be at our best while working.

 Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working modalities adapted to our hybrid working environment. To guarantee a comfortable and efficient working set-up, eligible employees are provided with both the office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional equipment at reduced prices….Less

Multinational Corporate Coverage VP

 BNP Paribas Group is the top bank in the European Union and a major international banking establishment. It has close to 185,000 employees in 65 countries. In Spain we are more than 5,100 employees within 13 business lines.

CIB

BNP Paribas Corporate & Institutional Banking provides large companies, multinationals and financial institutions with various solutions in the areas of advisory, financing, transactional banking, capital markets, settlement, clearing and custody of securities, asset and fund management services and solutions for corporate issuers. It has 620 professionals in Spain with offices in Madrid, Barcelona, Bilbao and Coruña. The entity has a network present in 56 countries.

The VP is a member of the Coverage Team and reports to the Head of Corporate Coverage Iberia.

He/she works closely with the Managing Directors to manage and develop the global relationships.

Key resposibilities

1.      Client Relationship Multinational Coverage

–      Maintain and develop client relationships

–      In coordination with the Pilot RM abroad and the local Business Lines, originate Corporate Coverage products according to the clients’ needs and thus increase revenues and cross sell for his/her clients.

–      Take full ownership and leadership on selected clients.

2.      Origination / Commercial Coordination

–      Secure the overall increase of revenues, monitor and improve profitability of his/her portfolio.

–      Manage and expand Bank’s footprint on flow banking business (Cash Management, Trade Services, Global Market, Security Services and other transaction banking business).

–      Generally, manage the origination and execution of transactions.

–      Manage the origination efforts related to non-CIB products and services.

–      Support Managing Directors in the origination and execution event driven mandates (M&A, ECM…) when required.

–      Ensure that the central data collection tool bases are appropriately updated (call reports, status of opportunities and deal pipeline management among others)

3.      Risk Management

3.1.           Credit risk: 

–      Provide necessary contribution to credit annual reviews / credit requests on his/her portfolio.

–      When relevant, validate credit annual reviews / credit requests and present the request to the Credit Committees

–      Actively monitors the credit risk on his/her portfolio (anticipation of risk deterioration, quality of analysis and accuracy of information). 

3.2.           Resource management: 

–      As per guidance from the Managing Director, ensure consistent allocation of financial resources (Capital and Liquidity) on a client basis, globally and between products, in view of the optimisation of Client RWA, RAROC, CEVA and any other relevant indicators. 

3.3.           Compliance & CSR: 

–      When required, provide his /her support to the Managing Director for clearing Compliance hits for clients in his/her portfolio.

–      Promptly react to any significant change in the situation of the customer.

–      Ensure consistent and comprehensive enforcement of BNP Paribas CSR & Compliance policies and procedures (especially KYC and AML/Sanctions) and regulatory requirements, in particular with regards to the KYC responsibilities and duties, as per relevant policies and procedures. 

3.4.           Conduct 

–      Ensure that the business carried out with his/her dedicated clients is appropriate, understandable and suitable.

–      Act in a product-neutral manner in the best interest of the clients and of the BNP Paribas Group globally.

–      Respect the BNP Paribas Code of Conduct in all listed key responsibilities.

4.      Participation to set up

–      Support and actively participate in building up and maintaining the network with other Coverage team members/ Product Partners / Regions by sharing ideas and past experiences (transversal and cross-fertilization interactions notably through Entry Point assignment) to encourage cross-selling, deal replicability and best practice sharing. 

–      Take an active role in transformation initiatives and their sustainability. 

Skills / Knowledge / Competencies

–      Team spirit, collaborative and inclusive approach

–      Impact, client relationship and commercial skills 

–      Coordination and communication skills

–      Time management, prioritisation and delegation

–      Conduct, Compliance and Risk awareness, credit and resource management

 Digital mindset in terms of open innovation management and client solution platform

BENEFITS

• Training programs, career plans and internal mobility opportunities, national and international thanks to our presence in different countries.

• Diversity and Inclusion Committee that ensures an inclusive work environment. In recent years, several employee communities have been created to organize diversity and inclusion awareness actions (PRIDE, We Generations and MixCity).

• Corporate volunteering program (1 Million Hours 2 Help) in which employees can dedicate time out of their working hours to volunteer activities.

• Flexible compensation plan.

• Hybrid telecommuting model (50%).

• 32 vacation days.

Diversity and inclusion commitment

BNP Paribas Group in Spain is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients. 

GRUPO BNP PARIBAS

El Grupo BNP Paribas es el principal banco de la Unión Europea y uno de los más importantes a nivel internacional. Contamos con cerca de 185.000 empleados en 65 países. En España somos más de 5.100 empleados en 13 líneas de negocio.

PERSONAL FINANCE

BNP Paribas Personal Finance, a través de su marca comercial Cetelem, es especialista en crédito al consumo, préstamos personales y gestión de tarjetas. Es partner financiero de importantes empresas de distribución, de bienes de consumo y concesionarios de automóviles y, además, un referente de análisis de mercado gracias a los estudios del Observatorio Cetelem. BNP Paribas Personal Finance cuenta con 20.000 empleados prestando servicio a más de 20 millones de clientes.

SOBRE EL PUESTO

MISIÓN

Asegurar la calidad de la información financiera de acuerdo con los estándares contables del Banco de España y las Normas Internacionales de Información Financiera (“IFRS”) y el cumplimiento de los procedimientos y el marco de control interno de BNPP PF.

Apoyar al Responsable del área de contabilidad en la consecución de la estrategia de transformación de Finanzas basada en la mejora de la calidad de la información, robustecimiento del entorno de control interno y la optimización/automatización de procesos. 

RESPONSABILIDADES

REQUISITOS

• Estudios

• Experiencia

• Idiomas

COMPETENCIAS

• Técnicas

• Transversales & Comportamentales

BENEFICIOS

• Programas de formación, planes de carrera y oportunidades de movilidad interna, no solo a nivel nacional sino también a nivel internacional gracias a nuestra presencia en diferentes países.

• Comité de Diversidad e Inclusión a nivel Grupo que vela por un ambiente de trabajo inclusivo. En los últimos años se han creado varias comunidades de empleados que organizan diferentes acciones de concienciación en torno a la diversidad e inclusión (PRIDE, We Generations y MixCity).

• Programa de voluntariado corporativo (1 Million Hours 2 Help) en el que los empleados pueden dedicar tiempo de su horario laboral a actividades de voluntariado.

• Plan de retribución flexible.

• Modelo de teletrabajo híbrido (50%).

• 31 días de vacaciones.

Compromiso de diversidad e inclusión

BNP Paribas Grupo en España es un empleador que ofrece igualdad de oportunidades y se enorgullece de brindar igualdad de oportunidades de empleo a todos los que buscan trabajo. Nos comprometemos activamente a garantizar que ninguna persona sea discriminada por motivos de edad, discapacidad, cambio de género, estado civil o de matrimonio, embarazo y maternidad/paternidad, raza, religión o creencias, sexo u orientación sexual. La equidad y la diversidad están en el centro de nuestra política de contratación porque creemos que fomentan la creatividad y la eficiencia, lo que a su vez aumenta el rendimiento y la productividad. Por tanto, en igualdad de condiciones en cuanto a cualificación y competencias para el puesto, accederá la persona candidata del sexo menos representado en ese nivel. Nos esforzamos por reflejar la sociedad en la que vivimos, manteniendo la imagen de nuestros clientes.   

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