The UniCredit Graduate Program is how you kickstart your career throughout a stimulating and exciting journey in one of Europe’s leading financial institutions.Our 12-months rotation-based Graduate program offers the opportunity to work in forward-thinking, International and supportive environment where you can learn, grow, and thrive while making an Impact and empowering communities to progress. During your journey, you will be able to explore your potential through on-the-job experience & international job rotations across Client Solutions. If you are a graduate with an international mindset, leadership potential and the ability to thrive under pressure, Unlock your fullest potential and join us!

The “Group Payment Solutions” (GPS) product line’s mission is to steer and oversee at Group level the strategy, the management and the development of transactional payments, cash management, Acquiring and Issuing products and services, with the goal to have competitive and cutting-edge products, in line with market and technological trends. Within Group Payment Solutions, “Issuing & Acquiring” focuses on steering and supervising at Group level the strategy, the development and the management of Acquiring, Issuing and Payment Cards products (including card wallet, virtual cards and proximity payments card based) and related services considering both market and technology trends and evolution of the competitive arena. In particular you will be part of the “Card Issuing” team within “Issuing & Acquiring” structure

What you’ll be doing

Work on specific topic related to Card Issuing, always considering a Group perspective:

  • Analyse, manage and monitor Group LEs International Card Schemes (ICSs) and Domestic Scheme fees within the framework of Long-Term Agreements (LTA) in place with payments’ networks
  • Define detailed Profit & Loss (P&L) framework for Issuing (deep dives on active / passive commissions) as a basis for the analysis and identify revenues and costs association rules for each P&L item
  • Creation of a dedicated dashboard to monitor Card Schemes fees leveraging on partnership in place with external provider
  • Setup of monthly reporting processes to track Card Issuing performances with impact at P&L with a focus on costs side
  • Deep dive the nature of Schemes Fees billed to Group LEs such as new fees, penalties and mandates
  • Active analyse and monitor of ICSs, Domestic Schemes and Processing fees at Group level within the scope of Multi Year Plan to define cost optimization initiatives and savings opportunities
  • Interact with ICSs counterparts and third party providers involved in the fees billing processes
  • Develop on a regular basis “good practice sharing“, centralize know-how and deliver multi-market solutions

What you’ll need to succeed

  • Up to 2 years from graduation or graduating in in Economics, Business Management, Quantitative Finance, Mathematics;
  • Excellent university degree and academic records;
  • Clear understanding of reporting and data analysis and usage of surveys / market analysis
  • Strong MS-Office skills (Excel, Power Point, Think Cell)

Soft skills:

  • High degree of flexibility and endurance, critical thinking and decision making
  • Strong teamwork capabilities and ability to work within a global structure with parallel projects in a highly collaborative manner
  • Excellent communication skills whether it is presenting in a meeting or building out a deck (for Top Management and for internal/external stakeholders)
  • Strong commitment, interpersonal skills, entrepreneurial thinking to support the establishment and development of Group Payment Solutions
  • Self-motivated, can-do attitude, problem-solver who can work in a fast-paced environment
  • Able to remain effective under tight deadlines, manage multiple processes in parallel and manage uncertainty including the capability to manage pressure and un-expected tasks

What you’ll get in return

  • Global Graduate Program events initiatives
  • Networking opportunities
  • Graduates community
  • Increased responsibility and opportunities for growth
  • On-the-job experience: work on deals that matter
  • International experience: leverage our international diversity
  • Different target areas and rotations: explore your potential
  • A dynamic work environment with exciting and diverse tasks
  • Flat hierarchies and a pleasant team spirit
Application deadline: Ongoing Starting date: 02-09-2024
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