Job Description

To manage Financial Resource (FRM), influence the Bank Balance Sheet on which optimized risk-reward decision making can be enabled with the ultimate goal of maximizing enterprise value through delivery of long-term sustainable earnings. Given the level of the role, a natural ability to engage at group senior management level is essentialLabor & Employment Law

Responsibilities

• Implement and operationalize Financial Resource Management (FRM) frameworks within Treasury to ensure optimal utilisation of liquidity, capital, funding, and balance sheet capacity.
• Provide analytics and insights on balance sheet structure, risk-weighted assets (RWA), liquidity ratios, earnings quality, and overall financial resource consumption to support Treasury decision-making.
• Contribute to Treasury’s asset and liability management (ALM) activities by supplying data-driven insights that enhance pricing, funding strategies, and balance sheet optimization.
• Work with Segments and Group Treasury to assess adherence to FRM mandates, providing early warning signals and recommending corrective actions where necessary.
• Manage high-risk or complex FRM-related issues within Treasury and contribute to the development and enhancement of FRM policies, frameworks, and controls.
• Maintain the FRM secretariat function for Treasury-aligned committees, ensuring effective coordination, quality reporting, adherence to governance standards, and timely follow-up of actions.
• Ensure Treasury’s compliance with internal financial regulations, regulatory requirements, and best-practice FRM principles.
• Contribute to the development of Treasury’s overall budget through FRM-led insights on resource utilization, funding cost trends, and financial risk dynamics.
• Develop and manage the tactical budget for the FRM area, ensuring expenditure control, cost efficiency, and alignment to strategic financial objectives.
• Monitor and authorize expenditures within the FRM area, ensuring adherence to financial controls, governance requirements, and cost discipline.
• Build strong relationships with Finance, Risk, Treasury, and business segment teams to enhance understanding, buy-in, and alignment on FRM priorities.
• Engage in cross-functional collaboration to provide and obtain information, share insights, and ensure integrated decision-making across balance sheet, funding, risk, and portfolio management functions.
• Represent FRM within relevant Treasury forums, contributing to discussions that shape Treasury strategy and execution.
• Use FRM analytics to identify opportunities that enhance Treasury’s competitiveness through optimized funding, capital usage, and balance sheet strategy.
• Monitor global and local financial markets, regulatory developments, economic conditions, and Treasury-related trends; translate these into actionable FRM recommendations.
• Support the development of strategic initiatives that enhance return on financial resources and strengthen the entity’s competitive edge in the market.
• Promote FRM thought leadership within Treasury by sharing expertise, tools, and insights that strengthen organizational capability.

Experience

3 – 5 years’ experience in a similar environment

Knowledge and Skills

• Experience and thought leadership in cross-Treasury disciplines a distinct advantage
• An understanding of financial markets, products and the pricing
• An understanding of risk, accounting, economic and balance sheet fundamentals
• Knowledge and passion to follow latest trends, news, economic environments (global and local) and ability to translate the impact of change on liquidity risk and risk appetite, and banking operations
• Experience in analytics
• High proficiency in Advanced Excel, VBA, PowerPoint and Word, and possess excellent communication skills (particularly written) and good organizational abilities.
• Basic understanding of ratings and ratings methodologies

• Implement and operationalize Financial Resource Management (FRM) frameworks within Treasury to ensure optimal utilisation of liquidity, capital, funding, and balance sheet capacity.
• Provide analytics and insights on balance sheet structure, risk-weighted assets (RWA), liquidity ratios, earnings quality, and overall financial resource consumption to support Treasury decision-making.
• Contribute to Treasury’s asset and liability management (ALM) activities by supplying data-driven insights that enhance pricing, funding strategies, and balance sheet optimization.
• Work with Segments and Group Treasury to assess adherence to FRM mandates, providing early warning signals and recommending corrective actions where necessary.
• Manage high-risk or complex FRM-related issues within Treasury and contribute to the development and enhancement of FRM policies, frameworks, and controls.
• Maintain the FRM secretariat function for Treasury-aligned committees, ensuring effective coordination, quality reporting, adherence to governance standards, and timely follow-up of actions.
• Ensure Treasury’s compliance with internal financial regulations, regulatory requirements, and best-practice FRM principles.
• Contribute to the development of Treasury’s overall budget through FRM-led insights on resource utilization, funding cost trends, and financial risk dynamics.
• Develop and manage the tactical budget for the FRM area, ensuring expenditure control, cost efficiency, and alignment to strategic financial objectives.
• Monitor and authorize expenditures within the FRM area, ensuring adherence to financial controls, governance requirements, and cost discipline.
• Build strong relationships with Finance, Risk, Treasury, and business segment teams to enhance understanding, buy-in, and alignment on FRM priorities.
• Engage in cross-functional collaboration to provide and obtain information, share insights, and ensure integrated decision-making across balance sheet, funding, risk, and portfolio management functions.
• Represent FRM within relevant Treasury forums, contributing to discussions that shape Treasury strategy and execution.
• Use FRM analytics to identify opportunities that enhance Treasury’s competitiveness through optimized funding, capital usage, and balance sheet strategy.
• Monitor global and local financial markets, regulatory developments, economic conditions, and Treasury-related trends; translate these into actionable FRM recommendations.
• Support the development of strategic initiatives that enhance return on financial resources and strengthen the entity’s competitive edge in the market.
• Promote FRM thought leadership within Treasury by sharing expertise, tools, and insights that strengthen organizational capability.

• Experience and thought leadership in cross-Treasury disciplines a distinct advantage
• An understanding of financial markets, products and the pricing
• An understanding of risk, accounting, economic and balance sheet fundamentals
• Knowledge and passion to follow latest trends, news, economic environments (global and local) and ability to translate the impact of change on liquidity risk and risk appetite, and banking operations
• Experience in analytics
• High proficiency in Advanced Excel, VBA, PowerPoint and Word, and possess excellent communication skills (particularly written) and good organizational abilities.
• Basic understanding of ratings and ratings methodologies

• 3 – 5 years’ experience in a similar environment