Job Description

Balance Sheet Management

• Demonstrate active balance sheet management aligning with the market environment and incorporating new business scenario changes.
• Provide strategic recommendations to reshape the balance sheet towards a more stable funding profile.
• Improve profitability through Balance Sheet optimization via disciplined deposit pricing and active loan repricing.
• Explore several initiatives to improve excess funds deployment yield.
• Collaborate with business segments to conduct active management of deposit Cost of Funds (COF) and administer loan repricing during rate hikes to manage the Bank’s Net Interest Margin (NIM).
• Proactively communicate and coordinate with business units to optimize NIM while ensuring relevant Regulatory and Group prudential limits within risk appetite.
• Lead discussions at ALCO (Asset and Liability Committee) with senior management and stakeholders to effectively shape and influence balance sheet growth and optimization.
• Reshape funding profile towards being more NSFR friendly, resilient, and less sensitive to rate hikes.
• Continue rebalancing asset profile towards Trade loans and strategic long-term loan growth.

FTP Framework & Methodology

• Ensure Fund Transfer Pricing (FTP) methodology is aligned with market-leading practices.
• Dynamically recalibrate Liquidity Premium (LP), Liquidity Charge (LC), and Reserve Cost aligned with market movement and balance sheet direction.
• Provide advisory to business segments on FTP best practices including Strategic Incentives proposals and new product set-up.
• Proactively recalibrate LP / LC calibration to align with dynamic market movements as well as address new business scenarios.
• Review the Market adjustment on Base rate ensuring the loan is not underpriced from garnering Long-term Fixed Deposits.

Job Requirement

Education & Qualifications

• Degree in Business or Accounting.

Experience & Knowledge

• At least 10 years of experience in financial services and related matters.
• Sound knowledge of banking products and practical Fund Transfer Pricing (FTP) mechanisms & methodology.
• Thorough knowledge of financial accounting systems.

Skills & Competencies

• Strong presentation, communication, and interpersonal skills.
• Excellent MIS reporting skills with advanced knowledge in Excel, PowerPoint, and data mining.
• Innovative problem solver, able to identify and understand issues and drive towards effective resolution.

Personality & Attitude

• Have a growth mindset and critical thinking.
• Able to work with senior stakeholders against tight deadlines.