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BBVA is a global company with more than 160 years of history that operates in more than 25 countries where we serve more than 80 million customers. We are more than 121,000 professionals working in multidisciplinary teams with profiles as diverse as financiers, legal experts, data scientists, developers, engineers and designers.

Learn more about the area:

BBVA Spark is the Group’s specialized unit dedicated to supporting startups and high-growth companies. We combine the solidity of BBVA with an entrepreneurial mindset to provide comprehensive financial solutions adapted to innovative and scalable business models.

Joining the Risk team at BBVA Spark means becoming part of a dynamic environment where credit risk is managed with rigor, innovation, and close collaboration with business areas.

About the job:

As a Principal Manager – Risk Admission, you will play a key role in assessing complex transactions, acting as an advisor to the business team in structuring operations, always from a risk perspective. Your technical judgment and analytical rigor will contribute to sound decision-making by the risk committees, ensuring prudent management aligned with Spark’s strategic objectives.

Qualifications

Education:

University degree in Business Administration, Economics, Finance, Engineering, or related fields.
Postgraduate studies in Corporate Finance, Financial Risk, or Startup Investment will be valued.

Professional Experience:

Minimum 6–8 years of professional experience in enterprise or corporate risk analysis, venture debt, or financing for high-growth companies.
Experience in international environments and exposure to the European startup and venture capital ecosystem is highly valued.
Strong understanding of technology-based business models, unit economics, and investment fund dynamics.

Languages:

High level of English (minimum C1). Other European languages are a plus.

Technical Skills:

Expertise in credit risk assessment methodologies and corporate finance.
Knowledge of regulatory frameworks and wholesale banking risk policies.
Ability to assess companies with non-conventional financial structures (startups, venture debt, convertibles, etc.).

Soft Skills:

Autonomy and strong technical judgment.
Proactivity, curiosity, and continuous learning mindset.
Focus on quality and analytical accuracy.
Effective communication and influence across multiple stakeholders.
Teamwork and collaboration in young, diverse, and dynamic teams.
Resilience and adaptability to demanding and changing environments.

Skills:

Communication, Credit Risks, Self Reliance

Wholesale Risk Principal Manager

Banco Bilbao Vizcaya Argentaria