Senior Treasury Officer

About the role:

The Treasury team in a virtual bank plays a critical role in managing liquidity, optimizing treasury operations, and supporting balance sheet management to ensure the bank maintains a sound funding profile, appropriate liquidity buffers, and effective asset-liability management. The following are key responsibilities expected for this position.

Key Responsibilities:

ALM & Balance Sheet Management

• Support asset-liability and capital management by monitoring balance sheet structure, funding mix, liquidity position, capital position, maturity profile, liquidity gaps, and interest rate sensitivity.
• Prepare balance sheet forecasts, liquidity projections, funding plans, capital projections, and scenario analyses to support Treasury strategy, ALCO discussion, capital planning, and management decision-making.
• Monitor key ALM, liquidity, and capital indicators, such as LCR, NSFR, liquidity buffer, balance sheet mismatch, capital adequacy ratios, RWA trends, and IRRBB where applicable.
• Analyze customer behavior, balance trends, RWA consumption, market interest rates, and macroeconomic factors affecting liquidity, capital, profitability, and balance sheet strategy.
• Support development of FTP, RAROC, capital allocation principles, and balance sheet planning frameworks.

Liquidity, Funding & Investment Coordination

• Work closely with the Treasury colleague to align cash flow forecasts, funding requirements, liquidity buffer levels, and investment allocation.
• Translate daily and medium-term liquidity movements into balance sheet insights to support funding, investment, and liquidity management decisions.
• Support optimization of HQLA and banking book investment allocation by balancing liquidity needs, yield, regulatory requirements, and internal risk appetite.
• Provide backup and cross-functional support for selected money market and liquidity management activities, subject to proper training, controls, and segregation of duties.

ALCO, Governance & Regulatory Reporting

• Prepare ALCO materials, management reports, and analytical dashboards covering liquidity position, funding profile, balance sheet trends, capital position, regulatory ratios, and key Treasury indicators.
• Support contingency funding planning, capital contingency actions, and monitoring against approved thresholds, limits, and risk appetite.
• Coordinate with relevant stakeholders to ensure ALM, capital, and balance sheet assumptions, data inputs, reports, and governance processes are accurate and well controlled.
• Support regulatory and internal reporting related to liquidity, ALM, capital management, balance sheet management, Treasury governance, and BOT requirements where applicable.

Systems, Data & Process Development

• Support implementation and enhancement of Treasury-related systems, including Treasury Management System, ALM monitoring tools, and reporting processes.
• Improve data quality, automation, workflow documentation, and control processes for ALM, capital management, balance sheet analysis, liquidity reporting, and Treasury management information.

Qualifications:

• Bachelor’s degree or above in Finance, Economics, Accounting, Business, Financial Engineering, or related fields.
• Minimum 5 years of experience in treasury, asset-liability management, balance sheet management, capital management, liquidity risk management, financial planning, or related banking/financial markets roles.
• Hands-on exposure to balance sheet analysis, liquidity gap reports, funding plans, capital projections, RWA analysis, stress testing, or ALCO/management committee materials is an advantage.
• Strong knowledge of ALM, balance sheet structure, liquidity management, IRRBB and capital management.
• Ability to prepare and analyze cash flow forecasts, balance sheet forecasts, capital projections, funding plans, stress testing, and contingency actions.
• Knowledge of BOT requirements, ALCO governance, internal limits, risk appetite, and Treasury control frameworks.
• Familiarity with money market products, HQLA, banking book investments, FTP, RAROC, capital allocation is an advantage.
• Strong Excel and financial modeling skills; experience with Treasury systems or reporting automation is an advantage.
• Strong analytical, communication, problem-solving, and stakeholder management skills.