# Functional Consultant IFRS9 & ALM (EPM / Finance Transformation)

**Company:** [Unison Group](http://jobs.workable.com/companies/deKpPhPMtQZga7XoPG1tSo.md)
**Location:** Mumbai, India
**Workplace:** on site
**Department:** Bharat

[Apply for this job](http://jobs.workable.com/view/dc1171c9-e367-4d03-9329-e1b3a13435fc)

## Description

-   Work with Finance, Risk, Treasury, and Business stakeholders to gather requirements related to:

-   **IFRS9 impairment and Expected Credit Loss (ECL) calculations**
-   **Asset & Liability Management (ALM)**
-   **Funds Transfer Pricing (FTP)**
-   **Liquidity and Balance Sheet Management**
-   Financial forecasting and management reporting

-   Conduct requirement gathering workshops, process analysis, and gap assessments.
-   Translate business requirements into **BRDs, FRDs, user stories, functional specifications, and acceptance criteria**.
-   Support implementation and enhancement of **IFRS9, ALM, FTP, and Finance transformation platforms**.
-   Define and validate business rules for:

-   ECL calculations
-   PD, LGD, EAD models
-   Staging assessment
-   Overlay calculations
-   Scenario analysis and stress testing

-   Support ALM processes including:

-   Interest Rate Risk in Banking Book (IRRBB)
-   Liquidity risk management
-   Gap analysis
-   Behavioral modelling
-   Balance sheet forecasting

-   Work closely with technical teams on data mapping, source-to-target mapping, and integration requirements.
-   Perform financial and risk data validation, reconciliation, and issue analysis.
-   Prepare test scenarios and coordinate **SIT, UAT, defect management, and production validation**.
-   Support month-end, quarter-end, and regulatory reporting processes.
-   Facilitate workshops, user training sessions, and stakeholder demonstrations.
-   Identify opportunities for automation and process improvements across Finance, Risk, and Treasury functions.

## Requirements

-   **5–10 years of experience** as a Business Analyst, Functional Consultant, or Finance/Risk Systems Analyst.
-   Strong domain expertise in:

-   **IFRS9**
-   **Expected Credit Loss (ECL)**
-   **Asset & Liability Management (ALM)**
-   **Funds Transfer Pricing (FTP)**
-   Liquidity Management
-   Balance Sheet Management

-   Experience with Finance/Risk/EPM platforms such as:

-   Oracle EPM / Hyperion
-   SAP BPC
-   Anaplan
-   Moody’s IFRS9
-   SAS IFRS9
-   QRM / QRM ALM
-   Murex
-   Similar Finance and Risk solutions

-   Strong experience in requirement gathering and functional documentation.
-   Good understanding of financial and risk data models, hierarchies, and chart of accounts.
-   Hands-on experience with:

-   Data mapping
-   Reconciliation
-   Data quality validation
-   System integration

-   Good knowledge of **SQL** for data analysis, validation, and reconciliation.
-   Experience in **UAT, SIT, test case preparation, and defect management**.
-   Strong stakeholder management and communication skills.
-   Experience working in **Agile / Scrum** environments.