Manager, Balance Sheet Management

Role Overview

This role sits at the centre of the bank's balance sheet management function, acting as the analytical and governance engine behind funding, liquidity, and asset-liability decisions. On a typical day, the post-holder turns forecast data, regulatory constraints, and market conditions into practical recommendations on how the bank should fund itself, price its products, and manage its liquidity buffer — while keeping the monthly Asset Liability Committee (ALCO) cycle, ILAAP submissions, and recovery planning documentation accurate and on schedule. The value of the position lies in catching emerging balance sheet pressure early, translating it into clear options for senior committees, and helping ensure the bank remains safely and cost-effectively funded.

Key Responsibilities

• Build, refresh, and maintain funding and liquidity forecasts, surfacing emerging gaps, concentration risks, refinancing needs, and proposed mitigating actions.
• Measure actual funding activity against the approved plan, risk appetite, prudential rules, and internal limits, then document the reasons behind material variances.
• Recommend adjustments to funding mix — tenor, currency, product type, and execution timing — that support liquidity resilience, business growth, and lower funding cost.
• Analyse the deposit book for stability, concentration, maturity ladder, current account and savings account (CASA) growth, and behavioural assumptions, with particular attention to sustainable customer funding.
• Run the monthly ALCO process end to end: agenda planning, submission deadlines, quality review, pack production, executive commentary, action tracking, minutes, and governance records; serve as alternate ALCO Secretary when formally delegated.
• Coordinate the annual Internal Liquidity Adequacy Assessment Process (ILAAP) cycle and liquidity stress testing — including ILSM, reverse stress tests, and survival-horizon analysis — plus the balance sheet and financial components of recovery and resolution planning.
• Keep the Contingency Funding Plan current, coordinate periodic testing, and escalate actual or forecast breaches of funding limits or exposures managed through Global Markets or Treasury Execution Services.
• Protect data quality and controls by reconciling key reports to Finance, Risk, Treasury, and regulatory source data, supporting audit and regulatory reviews, tracking findings to closure, and driving automation and documentation improvements.

Requirements and Qualifications

• Bachelor's degree in finance, accounting, economics, mathematics, statistics, or a closely related discipline.
• At least seven years of banking experience, with substantive exposure to balance sheet management, capital management, funding and liquidity, ALM, funds transfer pricing, Treasury Finance, or financial risk management.
• Demonstrated experience preparing material for senior management, ALCO, the Board, or regulatory bodies.
• Strong financial modelling, forecasting, stress testing, and management information skills.
• Professional qualifications such as CFA, ACCA, CPA, FRM, or ACT are advantageous; an ACI qualification is useful where financial-markets activity is a material part of the role, and postgraduate study in finance, risk, economics, or business administration is also beneficial.
• Proven ability to manage complex cross-functional deliverables and influence senior stakeholders; people-management or team-leadership experience is preferred.
• Solid grasp of banking, financial markets, prudential requirements, governance, and control standards.
• Advanced analytical, stakeholder-management, and executive-communication abilities.