Job Summary: We are looking for a dynamic profile with a cross-functional vision, analytical and synthesis capabilities to oversee transaction pricing and credit risk. Key Highlights: 1. Dynamic role focused on pricing and credit risk 2. Analysis of risk-adjusted profitability of transactions 3. Development of pricing calculation tools **Banco Sabadell** is the fourth-largest private banking group in Spain, comprising various banks, brands, subsidiaries and affiliated companies covering all areas of financial business under a common denominator: professionalism and quality. A young and well-prepared team, equipped with the most modern technological and commercial resources, and a multi-brand, multi-channel organization focused on the customer enable **Banco Sabadell** to hold a prominent position in the market for personal and corporate banking. (1\) **What are we looking for?** -------------------------- * We are currently seeking a dynamic, cross-functional profile with strong analytical and synthesis skills, interested in learning and developing new functions and activities related to pricing formation and monitoring, and, in general, to credit risk. **Let’s talk about the project...** ---------------------------- * Your primary mission will focus on ensuring that asset transaction prices adequately reflect the risks assumed. * Your main responsibilities will include: + Analysing pricing-related components across different portfolios. + Analysing major granted risk transactions, calculating their risk-adjusted profitability and reporting such calculations to business units. + Developing systems to monitor risk-adjusted profitability of all granted transactions and reviewing valuation assumptions. + Monitoring the evolution of new asset and liability pricing at Banco. + Developing and maintaining pricing calculation tools for Banco’s various portfolios. + Preparing reports for different Committees / Commissions on pricing evolution relative to assumed risks in transactions, including specific profitability analyses of portfolios / customers / transactions incorporating risk perspectives (interest, credit, liquidity, concentration). + Participating in the development of the Group’s credit risk strategy, and preparing and analysing information on sectoral benchmarks, supervisory expectations, investor presentations, etc. **What do we value in your application?** ------------------------------------- * A university degree in a technical field (Mathematics, Statistics, Engineering, Physics or similar) or business field (Economics, Business Administration or similar), with a quantitative orientation. * Minimum 2\-3 years’ experience in a similar role in banking, with proven experience in large-scale data analysis and use of automated data processing tools (SAS, SQL programming language or similar). * Knowledge and/or experience in calculating transaction/portfolio profitability will be considered favourably. * Advanced user of the Office suite (especially Excel and PowerPoint). * A solid level of English (B2\). Banco Sabadell is committed to promoting work environments where people are treated with respect and dignity, fostering professional development of staff and guaranteeing equal opportunities in recruitment, training and promotion, offering a workplace free from any discrimination based on gender, age, sexual orientation, religion, ethnicity or any other personal or social circumstance. Banco Sabadell is part of the network of companies awarded the “Equality in the Company” distinction by the Ministry of Equality. (1\) Multi-location: refers to the job location and includes/contemplates/allows\* the possibility of working from any office or corporate centre within the network, regardless of the physical location associated with your position, while respecting teleworking guidelines. *Total or partial reproduction of any section herein, in any medium, is strictly prohibited without the prior written consent of Banco Sabadell Group.*