Vie Alm / Structured Funding Specialist

Descrizione del lavoro:

Crédit Agricole Consumer Finance, filiale du groupe Crédit Agricole, distribue en direct, sur le lieu de vente ou les plateformes e-commerce de ses partenaires, une gamme étendue de solutions de financement - crédit amortissable, crédit renouvelable, leasing et rachat de crédit - avec des services associés dont les assurances, des solutions de paiement fractionné et des services dédiés à la mobilité, avec pour objectif de répondre aux enjeux de transition énergétique dans la mobilité, l'habitat et la consommation. Ses solutions de financement et ses services sont proposés en France via Sofinco, en Italie via Agos, en Allemagne via Creditplus, au Portugal via Credibom, en Espagne via Sofinco España, au Maroc via Wafasalaf, et en Chine via GAC-Sofinco (financement automobile uniquement). Crédit Agricole Consumer Finance ambitionne d'être leader de la mobilité verte en Europe et propose un continuum de toutes les solutions de mobilité dans les 19 pays où il est présent (leasing, location moyenne et courte durée, abonnement, autopartage, installation de bornes de charge…). Il s'appuie sur Leasys, un leader européen de la LLD avec Stellantis, CA Auto Bank et Drivalia, notre entité paneuropéenne de financement automobile, de location et de mobilité et le développement des financements automobiles dans ses entités historiques en Europe et dans les Caisses régionales du Crédit Agricole et chez LCL via Agilauto.
We are seeking a highly skilled ALM & Structured Funding professional with strong expertise in securitisation (SRT), derivatives management, regulatory frameworks and project management. The candidate will play a key role to support ALM & Treasury activities especially focused on securitisation, liquidity, interest rate risk and solvency topics. The role combines technical expertise with project delivery and a focus on innovation and continuous improvement. ________________________________________ Key Responsibilities * Monitor securitisation transactions, including SRT deals. * Monitor derivatives and hedging strategies (IRS and back-to-back swaps). * Support on regulatory and strategic projects (internal and at group level) * Ensure compliance with regulatory and accounting requirements. * Manage and optimize liquidity, IRR and solvency topics. * Liaise with regulators, auditors, investors and rating agencies

Requisiti del candidato:

* Master's degree in Finance, Economics, Engineering, Mathematics, Statistics or another quantitative field. * 0-2 years of experience, including internships or work-study assignments, in Finance, ALM, Treasury, Risk, Audit or Consulting. * Strong analytical and quantitative skills, with attention to data accuracy and consistency. * Good understanding of banking financial statements and basic ALM, liquidity, funding or market risk concepts. * Advanced Excel and PowerPoint proficiency; knowledge of SQL, Python or VBA is a plus. * Innovative mindset with the ability to challenge existing processes and drive improvements. As a plus: * Experience with securitisation/ liquidity / interest rate risk management. * Experience on cross-functional strategic projects. * Good knowledge of COREP (namely LCR, NSFR, IRRBB, Own Funds and Leverage) and regulatory requirements. Key Focus Areas * ALM * Securitisation (SRT) * Derivatives & Hedging * Liquidity * IRR * Capital * Process improvement and innovation ________________________________________ Soft Skills * Strong analytical and problem-solving mindset * Ability to interact with senior stakeholders (ExCo, regulators) * High level of autonomy and ownership * Structured and detail-oriented ________________________________________ Languages * English (fluent, mandatory) * Spanish (strongly preferred) * Portuguese & French are a plus ________________________________________ Nice to Have * Experience in auto loan / consumer finance portfolios * Exposure to ESG considerations in securitisation * Prior interaction with ECB / Banco de Spain / rating agencies ________________________________________