Wholesale Risk Principal Manager – BBVA Spark (Europe)

BBVA

$125K — $150K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • University degree in Business Administration, Economics, Finance, Engineering, or related fields.
  • Postgraduate studies in Corporate Finance, Financial Risk, or Startup Investment are valued.
  • 6-8 years of experience in enterprise risk analysis, venture debt, or financing for high-growth companies.
  • Experience in international environments, particularly in the European startup and venture capital ecosystem.
  • Strong understanding of technology-driven business models and investment fund dynamics.
  • High proficiency in English (minimum C1); other European languages are a bonus.
  • Expertise in credit risk assessment methodologies and corporate finance.

Responsibilities

  • Assess complex transactions from a risk perspective.
  • Advise business teams on structuring operations considering risk factors.
  • Contribute analytical rigor to decision-making processes for risk committees.
  • Manage and evaluate stakeholder communication regarding risk assessments.
  • Ensure adherence to regulatory frameworks and banking risk policies.

Benefits

  • Dynamic and diverse work environment fostered by a young team.
  • Opportunities for continuous learning and professional development.
  • Engagement in high-growth industries and innovative projects.
  • Work with strategic objectives aligned with technology and finance.
Full Job Description

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

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