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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.
BBVA is a global financial institution with more than 160 years of history, operating in over 25 countries and serving more than 80 million customers. Our team includes over 121,000 professionals across disciplines such as finance, law, data science, engineering, and design.
In Germany, BBVA recently launched its fully digital retail bank, bringing a mobile-first banking proposition to one of Europe’s most competitive financial markets:
BBVA operates in Germany within BBVA Niederlassung Deutschland as a licensed bank with German IBAN accounts and deposit protection under the European guarantee scheme, combining the trust of a global institution with a modern, technology-driven mode.
The current offering is remunerated current accounts, deposits, payments, debit cards, and flexible financing solutions, all delivered through a seamless digital experience.
Germany is a key strategic market within BBVA’s European expansion. Building on a strong digital foundation, the bank is now expanding its lending capabilities, with a focus on data-driven decision making, customer-centric design, and strict regulatory compliance.
Global Digital Banks is BBVA’s global unit responsible for building and scaling BBVA’s fully digital banks, as well as managing minority and majority stakes in leading neobanks such as Atom (UK) and Neon (Brazil).
About the job:
This role supports the initial definition, supporting the new product approval process, launch, evolution, and continuous improvement of digital lending products, ensuring alignment with market best practices and full compliance with German regulatory requirements, while leveraging data and customer insights to drive product decisions and enhance business performance.
We are looking for a purpose-driven Business Manager to join our Digital Bank Lending team in Germany. The role is central for the success and operational excellence of our lending lifecycle, analyzing business outcomes, pricing strategy, unit economics, and customer journeys. In this role, you will partner closely with Brokers, Product, Operations, Risk, Data, and Technology teams to evolve secured and unsecured credit products and digital functionalities.
The ideal candidate is analytically strong, structured, and eager to learn, with exposure to a variety of digital products, lending (e.g. mortgage), or financial services environments.
Key Responsibilities
Support the definition and improvement of digital mortgage products (Grundschuld) and secured-lending-related features.
Lead the continuous analysis of the end-to-end credit lifecycle—from initial customer interaction through to loan formalization—to identify friction points and propose operational and user experience improvements
Monitor pricing and commercial offering positioning for secured lending products (Grundshuld), including specific market and competitor tracking in relevant geographies.
Analyze customer behavior and usage metrics across lending journeys to identify improvement opportunities.
Translate business, product, and customer questions into analytical tasks and clear insights.
Monitor funnels, conversion rates, and key steps in the credit lifecycle.
Support analysis of lending performance, including volumes, revenue drivers, and basic unit economics.
Assist in the evaluation of new initiatives or product changes through simple business cases and scenarios.
Prepare insights and materials to support product and management decision-making.
Track and maintain core KPIs related to lending performance and customer experience.
Participate in post-launch analyses to assess impact versus expectations.
Work with Brokers, Product, Operations, Risk, Data, and Engineering teams to ensure alignment between analysis and execution and support on third-party management
Incorporate customer perspective into analyses, highlighting experience issues and adoption barriers.
Use data to help improve clarity, simplicity, and effectiveness of lending experiences.
What you bring:
A minimum experience of 5 years in Mortgage Lending in the German Market.
+5 years of experience in business analysis, product analytics, consulting, or financial services roles.
Bachelor’s degree in STEM (e.g., Engineering, Mathematics, Physics, Computer Science) strongly preferred; degrees in Finance, Economics, or Business will also be considered for candidates with demonstrated problem solving abilities.
A natural curiosity for and familiarity with data and metrics, and the ability to turn metrics into clear, actionable insights.
Exposure to digital products, lending, credit, or banking environments is a plus.
Ability to structure analyses, communicate insights clearly, and work in cross-functional teams.
Proactive attitude, curiosity, and willingness to learn in a fast-moving environment.
Fluency in German and English required.
Fluency in Spanish would be a plus.
Why Join us?
Play a central role in shaping the strategic direction of a leading digital bank with global ambition and a startup execution mindset.
Join a high-impact team that values ownership and accountability, is customer-focused, and works beyond traditional silos.
Thrive in a lean, empowered environment where decisions are driven by data and merit, not hierarchy, and strategy turns into action fast.
Be part of a culture that values intellectual honesty, principled leadership, and continuous learning.
Work on high-impact projects across product innovation, market expansion, and investment analysis.
Collaborate with a high-caliber leadership team and gain visibility into leadership-level decisions.
Gain exposure to leadership-level conversations and collaborate with senior leaders across product, technology, and markets.
Be part of a fast-growing team in a dynamic environment with a strong culture of ownership, innovation, and performance.
Skills:
Client Orientation, Critical Thinking, Empathy, Ethics, Innovation