Job Summary: We are looking for a dynamic and analytical profile to analyze and monitor transaction pricing and credit risk, ensuring appropriate risk coverage. Key Responsibilities: 1. Development of new functions and activities in credit risk 2. Pricing and risk-adjusted profitability analysis 3. Participation in the Group’s credit risk strategy **Banco Sabadell** is Spain’s fourth-largest private banking group, comprising various banks, brands, subsidiaries and affiliated companies covering all areas of financial business under a common denominator: professionalism and quality. A young, well-prepared team, equipped with the most advanced technological and commercial resources, and a multi-brand, multi-channel organization focused on customers enable **Banco Sabadell** to hold a leading position in the retail and corporate banking market. **Reference:** **37383** **Location:** **Spain \> Barcelona \> Sant Cugat del Vallès** **Multi-location possibility: No** (1\) **What are we looking for?** -------------------------- * We are currently seeking a cross-functional, dynamic 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, 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: + Analyzing pricing components across different portfolios. + Analyzing major granted credit-risk transactions, calculating their risk-adjusted profitability, and reporting these calculations to business units. + Developing systems to monitor risk-adjusted profitability for all granted transactions and reviewing valuation assumptions. + Monitoring the evolution of new asset and liability pricing at Banco Sabadell. + Developing and maintaining pricing calculation tools for Banco Sabadell’s various portfolios. + Preparing reports for different Committees / Commissions on pricing evolution relative to assumed risks in transactions, including specific profitability analyses of portfolios / clients / transactions incorporating a risk perspective (interest, credit, liquidity, concentration). + Participating in the development of the Group’s credit risk strategy, and preparing and analyzing 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 in business (Economics, Business Administration or similar), with a quantitative orientation. * At least 2\-3 years’ experience in a similar role within banking, with proven expertise 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 would be a plus. * Advanced proficiency in the Microsoft Office suite (especially Excel and PowerPoint). * A solid level of English (B2\). Banco Sabadell is committed to fostering work environments where individuals are treated with respect and dignity, promoting professional development of staff and guaranteeing equal opportunities in selection, training and promotion, while 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 Workplace” 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 center within the network, regardless of the physical location associated with your position, and respecting teleworking guidelines. *Reproduction—total or partial—of any section herein, in any format, is strictly prohibited without the prior written consent of Banco Sabadell Group.*