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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.

About the job:

Summary of Responsibilities

The Working Capital Solutions (WCS) Associate will be part of the WCS team in New York and will support the origination, structuring, execution, and management of Working Capital Solutions offered to BBVA’s corporate clients. The role involves close coordination with Coverage, Product, Operations, Technology, Legal, Risk, and external partners to deliver competitive and innovative working capital financing structures across global markets.

The ideal candidate will have a minimum of 3 years of professional experience in Working Capital Solutions, Trade & Working Capital products, Corporate Banking, or related areas.

Key Responsibilities

Commercial & Origination Support

• Support origination efforts for Working Capital Solutions by analyzing client needs, preparing tailored proposals, and identifying opportunities across BBVA’s client base.
• Participate in client discussions and presentations, providing product knowledge and analytical support to Relationship Managers and senior product specialists.
• Support the preparation of marketing materials, pitch decks, and product content for internal and external use.

Structuring & Execution

• Contribute to the structuring of WCS transactions, including Supply Chain Finance, Receivables Purchase Programs, Payables Finance, and other working capital financing tools.
• Coordinate supplier onboarding processes, working with Operations, Technology, and external partners to ensure smooth client implementation.
• Prepare internal credit and transaction approval materials, including memos, risk assessments, and financial analysis.
• Drive cross-functional execution across Operations, Technology, Legal, Risk, Compliance, and Commercial Approvals to ensure timely and accurate delivery of client solutions.

Product & Strategy Support

• Assist in the development and enhancement of WCS products, evaluating new capabilities, market trends, and competitive positioning.
• Support strategic initiatives, including market research, process improvements, and enhancement of digital/FinTech-related capabilities.
• Support engagements with external third-party partners, such as FinTech providers, to enhance BBVA’s offering and client value proposition.

Business Management

• Lead business management efforts for the WCS USA franchise, including pipeline management, performance reporting, governance deliverables, and coordination of strategic priorities.
• Support training initiatives to increase organizational understanding of WCS products and processes.

Essential Skills, Knowledge & Competencies

Technical Skills

• Minimum 3 years of experience in Working Capital Solutions, Trade & Working Capital, Corporate Banking, or related financial products.
• Bachelor’s degree in finance, economics, business, or a related field. MBA preferred.
• Strong understanding of working capital financing tools such as Supply Chain Finance, Receivables Finance, and Payables programs.
• Solid analytical and financial skills, including credit assessment and understanding of transaction risk and profitability.
• Proficiency in Microsoft Office tools, particularly Excel and PowerPoint.

Professional Skills

• Excellent communication and presentation abilities, including client-facing interactions.
• Ability to work effectively within cross-functional teams in a complex, multi-country organization.
• Demonstrated ability to manage multiple projects simultaneously and deliver under tight deadlines.
• Strong interpersonal skills and a collaborative mindset.
• Fluent in English; Spanish or Portuguese is a plus.

Management Responsibilities

• Support knowledge sharing and training of junior team members and internal stakeholders.
• Assist in monitoring the WCS portfolio to ensure credit quality, performance, and adherence to budgetary objectives.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

With respect to this position in our New York Office, the expected base salary ranges from $115,000 to $130,000. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions

Legal requirements

It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

Pay Transparency Policy Statement

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information (41 C.F.R. 60-1.35 (c)).

Individuals with Disabilities

BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch invite all interested and qualified applicants to apply for employment opportunities. If you are a U.S.-based job seeker with a disability who is unable to use our online tools to search and apply for jobs, please contact us by emailing: [email protected] or by calling toll-free (in the U.S.) 1-844-664-9275. Please indicate the specific type of assistance needed.

*The disability access telephone line and email address are reserved solely for job seekers with disabilities requesting accessibility assistance or an accommodation. Please do not call about the status of your job application if you do not require accessibility assistance or an accommodation. Messages left for other purposes, such as following up on an application or non-disability related or technical issues, will not receive a response.

EEO Statement

BBVA USA, BBVA Securities Inc., and BBVA S.A. New York Branch have a firm and unwavering policy to provide equal employment opportunity without regard to age, citizenship, color, disability, ethnic origin, gender, gender identity and expression, marital status, nationality, national origin, race, religion, sexual orientation, genetic predisposition, protected veteran status, or any other status or classification protected by federal, state or local law. This policy includes all job groups, classifications and organizational units. With regard to employment, this policy extends to applicants and covers our recruiting, hiring, promotion, transfer, demotion, discipline, termination, benefits, compensation and training practices as well as social and recreational activities.

View the "EEO is the Law" & "View the EEO is the Law Supplement Poster" poster. BBVA USA, BBVA Securities, Inc., and BBVA NY are equal opportunity and affirmative action employer.