UniCredit

Balance Sheet Management

▪ Manage and further develop the Funds Transfer Pricing (FTP), Intra-group Transfer Rates (ITR) and Risk Adjusted Pricing (RAS) frameworks, ensuring alignment with Group standards and local business needs;

▪ Provide internal pricing for commercial and intra-group transactions, supporting balance sheet management, profitability steering and business decision-making;

▪ Partner with business lines in transaction structuring, product pricing and new product initiatives, helping identify sustainable and profitable growth opportunities;

▪ Analyze profitability, capital consumption and risk-adjusted performance indicators, identifying opportunities to improve portfolio returns and enhance value creation;

▪ Contribute to the optimization of risk-weighted assets (RWA) and support initiatives aimed at improving capital efficiency and risk-adjusted profitability;

▪ Perform pricing analyses, simulations and scenario assessments to support business strategies, balance sheet management and Net Interest Income performance;

▪ Develop insightful reports, presentations and recommendations for management, supporting both strategic and regulatory requirements;

▪ Maintain and enhance pricing tools and systems, collaborating with Finance, Risk, Treasury, IT and other stakeholders to ensure accurate implementation of methodologies;

▪ Support financial planning processes and business case development by providing relevant pricing, profitability and capital-related insights;

▪ Work with large data sets and analytical tools to generate actionable insights and support data-driven decision making.

Minimum eligibility criteria:

• Bachelor or Master degree in Mathematics, Econometrics, Finance, Economics or similar
• CFA/ACI/FRM/ACCA or similar professional certifications is preferred
• Experience in a banking or financial environment; specific banking experience with ALM, Interest Rate & Liquidity Risk Management, Financial Planning is preferred 
• Good understanding of financial markets and products
• Advanced verbal and written communication skills in English
• Solid knowledge of MS Office (Excel, Power Point, Word); good knowledge of BI tools, SQL, VBA, SAS Enterprise, Bloomberg, Reuters, Murex, AS400 is a plus

 

Other required competencies:

• Strong analytical skills, ability to create, challenge and improve ALM related analyses and techniques 
• Pro-active attitude, willingness to learn new things and drive to continuously work for improvement of the activity and self development
• High sense of intellectual curiosity

UniCredit è un leader paneuropeo e una Banca commerciale con un modello di servizio unico nel suo genere in Italia, Germania, Austria, Europa Centrale e Orientale. La nostra Vision è di essere la Banca per il futuro dell'Europa. Il nostro Purpose è «Empowering Communities to Progress», ossia fornire alle comunità che serviamo le leve per il progresso, offrendo i migliori prodotti e servizi a tutti i nostri stakeholder e sprigionando il potenziale delle nostre persone e dei nostri clienti in Europa. Serviamo oltre 20 milioni di clienti grazie al supporto delle nostre tre fabbriche prodotto - Corporate, Individual e Payment Solutions - che garantiscono competenze specialistiche e soluzioni scalabili in tutti i mercati. Il nostro modello di business integrato unisce prossimità territoriale, una profonda conoscenza della clientela e competenze diffuse a livello di Gruppo, permettendoci di offrire un servizio e un’esperienza cliente senza pari. La digitalizzazione, l’eccellenza operativa e un forte impegno nell’integrazione dei principi ESG orientano il nostro percorso, consentendoci di generare valore sostenibile nel lungo periodo per clienti, comunità, dipendenti e azionisti. La nostra Cultura unisce le nostre persone in tutti i Paesi, promuovendo collaborazione, capacità di esecuzione e ambizione con il supporto dei nostri Valori: Integrity, Ownership, Caring.