Business Product Analyst (f/m/x)

For over 150 years, our dedication to being the Global Hausbank for our clients has been driven by our people – in around 60 countries and across more than 150 nationalities.

Their deep understanding, insights, expertise, and passion help our clients navigate an increasingly complex world – be it in our Corporate Bank, our Private Bank, our Investment Bank or our Asset Management division.

Together we can make a great impact for our clients home and abroad, securing their lasting success and financial security. 

The Lending Products team is responsible for the development, monitoring, and management of credit products for Wealth Management and Business Banking clients. We work closely with Product, Legal, Compliance, and COO functions to ensure effective and compliant solutions.

Lending Products reports into WM&BL Organizational Unit, which is in charge to manage and developing processes to meet Bank’s needs to improve its commercial offer, products, and processes as well as mandatory remediations to mitigate risks and industry regulatory requirements for Wealth Management and Business Lending.

Key Responsibilities:

As a Junior Analyst, you will support senior colleagues across a wide range of activities, progressively building expertise in lending product management. Your responsibilities will include:

• Analyze market trends, competitive landscape, and macroeconomic factors to identify lending product opportunities for Corporate and Wealth clients.
• Support the development, review, and innovation of commercial offerings, collaborating with internal teams and preparing documentation for New Product Approval (NPA) processes.
• Contribute to compliance checks and propose improvements for existing products under senior guidance.
• Assist conducting profitability analyses aligned with risk and commercial strategies.
• Coordinate with external partners (e.g., SACE, Guarantee Funds, Confidi) to develop business-focused lending solutions.
• Evaluate and document requests for exceptions to standard product features.
• Collaborate on regulatory impact assessments and ensure proper implementation of new regulations or strategic initiatives across functions.
• Support the preparation and update of regulatory documents in coordination with Transparency, Usury & GDPR teams.
• Support the Legal team and other functions in reviewing product contracts and handling complaints management when needed.

We foster a diverse, inclusive, and respectful workplace where different perspectives drive innovation. We support professional growth and uphold high standards of conduct and performance. Applications are welcome from all backgrounds, and we ensure a harassment-free environment.

Required Skills:

• Bachelor’s degree in economics, finance, or related fields.
• Strong proficiency in PowerPoint and Excel.
• Native-level Italian or equivalent; fluent English (written and spoken).
• Effective communication skills, analytical thinking, and a proactive attitude.
• Any prior experience in international environments or project management is a plus.

• Curiosity, sense of responsibility, and collaborative spirit.
• Ability to work in cross-functional teams.
• Flexibility and prioritization skills.

Our Well-being & Benefits practice:

Emotionally and mentally balanced: We encourage work-life balance and we are committed to provide an environment with your development and wellbeing at its centre. We support you in dealing with life crises, maintaining stability through illness, and maintaining good mental health. We promote a culture where you can openly speak about mental health (Personal Support Line).

Physically thriving: We support you managing your physical health by taking appropriate preventive measures and providing an insurance coverage and welfare benefits.

Socially connected: We strongly believe in collaboration, inclusion and feeling connected to open up new perspectives and strengthen our self confidence and well being; we organize conferences, webinar and networking opportunities to share diversity, equity and inclusion contents.

Financially secure: We support you to meet personal financial goals during your active career and for the future. Benefit from meal allowance, Pension Fund, Welfare Plan, banking services for employees.

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.