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.In this role you will:Responsibilities
:Collaborate to the steering and supervision of the Issuing strategy at Group Level according to its own specificities in coordination with the parallel development of the Acquiring strategySupport the management and development of Card Issuing products and servicesCreate and analyse ad hoc Business Cases to assess new initiatives in term of profitabilityCoordinate project work streams and providing project management for key initiativesConduct market intelligence on a need basis, analyse and understand recent trends, assess competitors value propositions, propose actions for further improvements also leading best practice sharing to all LEsMonitor the competitive situation and payment industry dynamics, identify threats and opportunities, and recommend appropriate response strategiesManage the relationships with Group Strategic Partners within Issuing scopeWork 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' networksAssessment of card schemes manuals, bulletins, quarterly reporting and Interchange fees chartsManagement of BIN product list to action relevant business initiatives within consumer and commercial customer baseLeverage on dedicated dashboard to monitor Card Schemes fees based on partnership in place with external provider. In addition, perform assessment leveraging on detailed reporting availableDeep dive the nature of Schemes Fees billed to Group LEs such as new fees, optional services penalties and mandatesActive analyse and monitor ofICSs, Domestic Schemes and Processing fees at Group level within the scope of Multi Year Plan to define cost optimization initiatives and savings opportunitiesInteract withICSs counterparts and third party providers involved in the fees billing processesSetup of monthly reporting processes to track Card Issuing performances with impact at P&L with a focus on costs side (e.g., Card Schemes fees)Adoption dashboards and intelligence tool leveraging on payment partners (e.g., Scheme tools))Develop on a regular basis "good practice sharing", centralize know-how and deliver multi-market solutionaiSpecific Issuing product knowledge (debit, credit, prepaid, wallet, token, etc.)Ability to match different data sources and create effective reporting to support decision makingKnowledge on main relevant Card Issuing regulations (e.g., Multilateral Interchange Fees)Knowledge of payment processes and logicsAbility to deal with different counterparties and external providersExpertise in card payments business model (e.g., revenue model, cost side) is a pl
Qualifications
Degree in Economics, Finance or EngineeRingFluent in English knowledge of other languages utilized in UniCredit countries are welcomeSolid foundation in business topics, planning, strategic methodologies and project management even in multi-countries perspectiveGood knowledge of Payment industry, new technologies, trends and related metrics/driversClear understanding of reporting and data analysis and usage of surveys / market analysisStrong MS-Office skills (Excel, Power Point, Think Clls:High degree of flexibility and endurance, critical thinking and decision makingStrong teamwork capabilities and ability to work within a global structure with parallel projects in a highly collaborative mannerAble to lead various stakeholders to execute complex projects efficiently and to think strategically but also execute operationallyExcellent 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 SolutionsSelf-motivated, can-do attitude, problem-solver who can work in a fast-paced environmentAble to remain effective under tight deadlines, manage multiple processes in parallel and manage uncertainty including the capability to manage pressure and un-expected t
Benefits
riamoParticipating in the development of the new Group Payment Solutions framework within Client SolutionsWorking on payments topics as key and growing strategic focus for Group's development and contributing to the strategic evolution of UniCreditGroupWorking in a very dynamic and international environment in a continuously evolving framework and in a very enthusiastic and well-diversifiedteamHaving the opportunity to contribute designing the transformation of the bank payment landscape providing new ideas and new thoughtsCooperating with all the main company departments for a full understanding of the business dynamics and of the businessmodelOpportunity to acquire visibility and to strengthen own profile leveraging on the high level of competencies and on the global role assigned to Group Payment SolutionsSupporting concretely business activities, development projects and best product offer to clientsParticipating to the identification and set up of new way doing banking (new channels, new product offers,
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