Credit Risk Technician — Back‑Office & Compliance

BMW Group; Madrid; Presencial; EUR 32.000 - 46.000; Jornada completa

Descripción de la vacante

BMW Group in Madrid is seeking a Credit Technician to provide back-office support for credit decisions, ensuring quality and compliance with local and international guidelines.

You will prepare proposals, analyze financials, monitor risk, and support sales with clear explanations for credit committees.

The role requires a degree in business or economics, 2–3 years in credit or risk, and strong English and Spanish language skills.

Formación

• University degree in Business Administration, Economics or similar.
• Experience in credit analysis and risk assessment is valued.
• Excellent English and local language communication skills.

Responsabilidades

• Prepare high-quality credit proposals for a wide variety of clients and groups, handling non-routine and complex analytical situations and identifying the key factors that impact creditworthiness.
• Perform financial analysis with a strong understanding of financial statements, cash-flow modelling, debt service capacity, and accounting concepts.
• Ensure that each credit assessment is aligned with AL-ES instructions and processes, always verifying compliance with international and local guidelines (Compliance).
• Identify and report fraud cases, systematically applying preventive measures and controls throughout the decision-making process.
• Work under time pressure with a strong focus on deadlines and SLAs, actively managing the workload pipeline to ensure the correct and timely completion of assigned proposals.
• Handle queries from Sales Representatives and other internal and external partners with differing interests, communicating complex concepts transparently and providing support for credit committees, approvals, and annual reviews.

Conocimientos

Credit analysis

Financial modelling

English proficiency

Time management

Educación

Bachelor's degree in Business Administration or Economics

Descripción del empleo

BMW Group in Madrid is seeking a Credit Technician to provide back-office support for credit decisions, ensuring quality and compliance with local and international guidelines.

You will prepare proposals, analyze financials, monitor risk, and support sales with clear explanations for credit committees.

The role requires a degree in business or economics, 2–3 years in credit or risk, and strong English and Spanish language skills.