· Produce and maintain funding and liquidity forecasts, identifying emerging gaps, concentration risks, refinancing requirements and mitigating actions.

· Monitor actual funding performance against the approved funding plan, financial plan, risk appetite, regulatory requirements and internal limits, and explain material variances.

· Prepare recommendations on funding mix, tenor, currency, product and timing to support liquidity resilience, business growth and funding cost optimization.

· Monitor deposit composition, stability, concentrations, maturity profiles and behavioral characteristics, with particular focus on sustainable customer funding and CASA growth.

· Assess local and foreign currency funding requirements and recommend the level, tenor and timing of funding support required.

· Coordinate monthly funding and BA 610 liquidity risk reporting, including commentary on movements, emerging risks and management actions.

· Monitor funding limits and exposures managed through Global Markets or Treasury Execution Services and escalate actual or forecast breaches.

· Maintain the Contingency Funding Plan, coordinate periodic testing and support execution of approved actions during liquidity stress.

· Coordinate liquidity stress testing (ILSM), reverse stress testing and survival-horizon analysis.

· Support local regulatory and Group liquidity reporting, including validation, reconciliation, review and submission governance.

ALCO Governance and Management Information

· Coordinate the end-to-end monthly ALCO process, including agenda planning, submission timelines, quality review, pack production and distribution.

· Review submissions for accuracy, consistency, completeness and alignment with the Bank’s balance sheet priorities.

· Prepare concise executive commentary on funding, liquidity, and ALM matters for the ALCO pack.

· Maintain the ALCO action tracker and follow up on overdue actions and decisions.

· Maintain governance records, including approved Terms of Reference, attendance records, decisions and supporting documentation.

· Support preparation of accurate ALCO minutes and communication of decisions to relevant owners.

· Act as alternate ALCO Secretary when formally delegated by the Head of Balance Sheet Management.

· Escalate late, incomplete or inconsistent submissions before pack circulation.

ILAAP, Recovery and Resolution Planning

· Coordinate the annual ILAAP process, including Liquidity forecasts, stress testing - ILSM, risk assessments, management actions and supporting documentation.

· Support preparation of the final ILAAP submission and completion of internal governance and approval requirements.

· Coordinate liquidity adequacy assessments and associated funding and liquidity risk documentation, where applicable.

· Coordinate the financial and balance sheet components of recovery and resolution planning.

· Maintain recovery indicators, thresholds, escalation arrangements and management-action documentation.

· Support periodic testing and simulation of recovery and contingency actions.

· Track regulatory feedback, internal review findings and remediation actions relating to ILAAP, recovery, resolution, and liquidity.

· Ensure consistency between the strategic plan, financial plan, ILAAP, funding plan, contingency funding plan, recovery plan and stress-testing assumptions.

Governance, Controls and Data Quality

· Maintain a robust control environment across funding, liquidity, ALM and processes.

· Ensure key reports and submissions are reconciled to Finance, Risk, Treasury and regulatory source data.

· Maintain clear review, approval and evidence standards for material calculations, reports and submissions.

· Conduct periodic control assessments and coordinate timely remediation of identified weaknesses.

· Support Internal Audit, External Audit, Risk, Compliance and regulatory reviews.

· Track audit and regulatory findings to closure and escalate overdue or high-risk items.

· Drive automation and process improvements that enhance accuracy, timeliness, insight and operational resilience.

· Ensure methodologies, procedures, controls and key-person dependencies are appropriately documented.

Decision-Making Authority and Escalation

· Operate within approved policies, standards, mandates, limits and delegated authorities.

· Recommend funding, liquidity, and ALM actions for approval through the appropriate governance forum.

· Escalate actual or forecast regulatory breaches, risk appetite breaches, material control failures, reporting errors and significant forecast variances without delay.

· Refer material methodology changes, strategic decisions, external regulatory positions and exceptions to approved standards to the Head of Balance Sheet Management for sponsorship and approval.

· Act on behalf of the Head only where authority has been formally delegated.

Preferred Qualification

· Bachelor’s degree in finance, Accounting, Economics, Mathematics, Statistics or a related discipline.

· Relevant professional qualifications such as CFA, ACCA, CPA, FRM, ACT or equivalent are advantageous.

· Postgraduate qualifications in Finance, Risk, Economics or Business Administration are advantageous.

· ACI qualification is advantageous where financial-markets activity forms a material part of the role.

Preferred Experience

· At least seven years of relevant banking experience, with meaningful exposure to balance sheet management, capital management, funding and liquidity, ALM, FTP, Treasury Finance or financial risk management.

· Experience preparing for senior management, ALCO, Board or regulatory submissions.

· Experience in financial modelling, forecasting, stress testing and management information.

· Experience managing complex cross-functional deliverables and influencing senior stakeholders.

· People-management or team-leadership experience is preferred.

Knowledge and Skills

· Strong knowledge of banking, financial markets, balance sheet management, prudential requirements, governance and control standards. Advanced analytical, stakeholder-management and executive-communication skills.

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