Expert Rating Process (m/f/d)


As a major financial institution, we strive to think and act in a truly international dimension. We span 50 countries and give growth opportunities to people who share our excitement for constantly building on the diversity of our local roots and strong European presence.
HypoVereinsbank is part of UniCredit, a simple, successful Pan European Commercial Bank, with a fully plugged in Corporate & Investment Banking, delivering a unique Western, Central and Eastern European network to its extensive client franchise.
We offer our employees professional development all over Europe, consisting of both job and learning opportunities. UniCredit has been certified as an European Top Employer returning year-for-year consistently high employee engagement.

Credit Risk Modelling & Systems (CRS) is the driving core unit charged with managing the credit risk models and the underlying IT systems. Whether developing new credit risk models with historical data, maintaining the models while being always compliant with regulation or streamlining rating processes for higher automatization, our work directly contributes to the bank’s success. The division is ideal for collaborative individuals with strong ethics and attention to detail.

Within this unit we, the Credit Risk Modelling team, are responsible for managing the credit risk models for Rating and Credit Decision Engine. Leveraging its extensive expertise in risk modelling, we ensure that the single credit exposure is adequately evaluated and it contributes directly with the firm’s risk appetite. Staffed with more than 50 professionals, our unit CRS operates in an international environment with a strong cooperation with our Holding in Milan and work closely with many areas within the bank. Given this structure, we gain divers risk experience and a broad perspective on how the entire bank functions. The interaction with numerous departments and the range of projects that ensue, allow for a challenging, varied and multi-dimensional environment.

Das erwartet Sie bei uns
~ Develop within a team new rating processes considering the regulatory compliance and internal rules. The process has to be fully integrated in the credit process
~ Maintain the process and support users in special questions
~ Document the process and all relevant topics (Working instructions) in German and English to allow the control units independent checks and a continuous document to trace decisions during development
~ Present the results and impact analyses to the team and management in a proactive way. Be inclusive to allow the operative teams to react on model / process impacts
~ Coordinate and be part of internal and external control functions such as internal audit or ECB (European Central Bank)
~ Interact with other bank functions to ensure a proper understanding of key processes and to be aligned over time. Build up your network and increase the collaboration between the multi-dimensional units

Das bringen Sie mit
~ Degree in Business Administration, Business related discipline or relevant work experience
~ Strong interest and familiarity with credit risk, modelling and processes, preferably already experienced in the field of credit or rating processes
~ Strong process skills
~ Strong documentation, presentational and communication skills required
~ Ability to work flexibly as you will be involved in different projects and to work
~ Fluent English knowledge
~ Familiarity with regulatory rating requirement and application of such guidance is an advantage

Das bieten wir Ihnen
~ A corporate culture that is characterized through openness, dynamics and internationality with opportunities for your personal development
~ Responsible and exciting activities in a dynamic market environment with a good mix between methodology and technical implementation
~ Active contribution to the digital transformation within the finance sector especially automation of the credit processes
~ Interdisciplinary environment with multiple interfaces, such as holding, commercial banking, Senior Risk Management, data office as well as internal and external IT providers
~ A strong committed, high professional working atmosphere with international experienced colleagues
~ Flexible working hours and attractive compensation

If you feel addressed by this challenge and you want to become part of our team, we are very much looking forward to receiving your application through your CV.


Einsatzort:                    München
Eintrittsdatum:            01.03.20
Beschäftigungsgrad:  Full-time
Kontakt:                         Lemke, Alice; +49 89 378 46752 Straßburger, Louise; +49 89 378 30829
Bewerbung:                  www.careers.unicreditgroup.eu
Referenzcode:              DE-104-51693217-20200131-112529-EN