Short Job Description:
Join our team to drive the optimisation of operating deposits and technical liquidity, enhancing Net Interest Income (NII) and balance sheet efficiency. You will influence internal funds transfer pricing, oversee investment strategies for client deposits, and partner across Payments, Markets, CIB and Corporate Treasury to maximise usage and ensure appropriate compensation.

Are you passionate about financial optimisation and ready to make a meaningful impact?  As an Associate in FX and Liquidity team that is focused on Deposit and Balance Sheet Optimisation, you will collaborate with cross-functional teams to improve NII, balance sheet outcomes, and drive strategic business growth. You will have the opportunity to shape internal frameworks, challenge regulatory changes, and advance the digital agenda. If you thrive in a dynamic environment and enjoy problem-solving, we encourage you to apply.

Job Summary:
As an Associate in Liquidity and Balance Sheet Optimisation, you will partner closely with CIB Treasury, Markets FRM, Payments Liquidity Product, and Securities Services Product and Sales. You will optimise operating deposits and technical liquidity, influence internal funds transfer pricing rates, and oversee the investment of client deposits. You will review and communicate regulatory and internal framework changes, coordinate responses with CIB stakeholders, and lead initiatives to automate processes and improve information presentation.

 

Job Responsibilities:

Optimise operating deposits and technical liquidity (90-day liquidity) to enhance NII and balance sheet outcomesReview and influence rates paid or charges to the business for deposits and balance sheet usage via internal FTP and agent bank interest ratesOversee investment of client deposits, enabling Corporate Treasury and Markets to maximise usage and ensure appropriate compensationReview, understand, communicate, and challenge regulatory changes and internal frameworks linked to deposits, capital, and NIICoordinate responses with broader CIB partnersUnderstand liquidity and deposit drivers of client decisions; partner with Sales, Product, and Finance & Business Management to inform long-term decisionsLead or partner on Securities Services initiatives to automate processes, improve information presentation, and advance the digital agendaBuild and deliver ad-hoc and structured analytics to deepen understanding of capital, deposits, liquidity, and NIIProactively communicate changes and provide timely, accurate insight on risks and opportunitiesContinuously identify and execute productivity improvements across processes and reporting

 

Required Qualifications, Capabilities, and Skills:

Execution-focused, motivated self-starter who learns quickly and manages a matrix of partners effectivelyExperience in liquidity, deposit optimisation, or balance sheet managementDemonstrated ability to take initiative, solve problems independently, and set directionProven ability to influence and partner with business leadersStrong commercial acumen, able to shape strategic business vision and improve bottom-line resultsEffective communicator, able to create logical, conclusive presentations and distil complex subjects into management-ready materialsStrong attention to detailWorking knowledge of interest rates, balance sheet, liquidity, and deposits Expert Microsoft PowerPoint and Excel skills

 

Preferred Qualifications, Capabilities, and Skills:

Familiarity with interest rate hedging and technical liquidity conceptsAbility to drive automation and digital initiatives