Associate Director, Liquidity Risk Management, Treasury India Hub

Job Summary

Treasury works closely with senior management, the businesses, Country CEOs / CFOs, and Finance to manage and promote the bank’s liquidity, capital, and balance sheet position. Treasury is laser-focussed on its vision to be “Open, progressive and trusted, working commercially with our partners” to create sustainable value by balancing the supply and demand of liquidity and capital.

 

Within Treasury (which comprises Capital, Liquidity & Markets), the Treasury Liquidity function is responsible for driving the strategic liquidity agenda and Interest Rate Risk in the Banking Booking (‘IRRBB’). 

 

The Associate Director – Liquidity Risk Management, India hub will support the Head of Liquidity Risk Management in advancing the Group’s balance sheet risk management and optimisation agenda for Liquidity Risk Management (LRM).  For LRM, the hub will co-lead to establish and implement an effective framework for measuring and monitoring funding and liquidity risk across the Group and throughout the stress continuum both in BAU to Recovery & Resolution planning (RRP).      

Key Responsibilities

Strategy

Keep up to date with the Group’s business strategy (incl. SC Ventures) and ensure the liquidity frameworks are aligned to that.

•    Support in providing relevant inputs / guidance into Corporate Planning / Funding Planning process to ensure the liquidity risk is adequately captured.  
•    Identify key levers and emerging risks in relation to Group’s funding profile (e.g., due to change in market conditions or regulation) and present tangible and executable options to GALCO.  
•    Identify processes that can be migrated to the India Hub from both Group and Country.   

Business

•    Awareness and understanding of the wider business, economic and market environment in which the Group operates, with a focus on the Group’s participation in the Digital Assets and platforms space.
•    Provide support to Head, LRM, India Hub in engagements with business stakeholders to understand the products and balance sheet needs, to interpret the risks, design and implement new/updated liquidity and funding metrics.
•    Support the engagement with businesses on balance sheet optimisation strategies including but not limited to asset & liability mix to manage liquidity while optimising returns.  

 

Processes

LRM

•    Framework & Governance:  Support the ongoing enhancement of the liquidity and funding risk framework, including policies, standards and control mechanisms aligned to ERMF provisions. Help in the maintenance of the Liquidity Risk Policy, Funding Standards and associated governance documentation, ensuring full compliance through self-assessments, RCSA, ORF support, KCI testing and audit readiness. Ongoing monitoring and escalation protocols of limits, while coordinating with stakeholders on new product approvals, GALCO and BRC submissions, annual disclosures and investor relations reporting. 

•    Modelling & Methodology:  Support the design, development, and continuous enhancement of the liquidity risk measurement framework, including methodologies and models underpinning key liquidity metrics and stress testing. Ensure models remain robust, data-driven, and aligned with evolving regulatory standards and internal risk appetite, while providing analytical support to validate and refine assumptions across different liquidity scenarios. 

•    Stress Testing & Scenario Analysis:  Support liquidity stress testing and scenario analysis, developing and maintaining advanced simulation tools (including TWT) for ILAP, recovery, resolution, and regulatory exercises. Assist in designing and configuring scenarios, running analyses, presenting results, and supporting MAS IWST, ICAP, BoE RST, fire drills, and VIR. Contribute to collateral optimization via active participation in global collateral initiatives. 

•    Regulatory Compliance: Support regulatory compliance through policy interpretation, documentation, and alignment with the Prudential Compliance Framework and attestations. Assist in LSREP submissions, support regulatory and special audits (e.g., Section 166), and engage proactively with regulators through advocacy, consultations, and industry forums. 

•    Liquidity Technology Journey: Contribute to shaping the liquidity technology journey by defining the strategic target state for platforms and consolidating liquidity requirements across the group. Support prioritization, validate system changes, and assist in testing to ensure fitness for purpose. Contribute to the development of the target operating model for liquidity reporting and continuously review reporting processes for efficiency and accuracy. 

 

People & Talent

•    Be part of a diverse team of skilled and experienced professionals in India.
•    Collaborate within Treasury and with key partners in Finance, CPM, Technology, and Change in India and the clusters.
•    Lead by example in reinforcing the appropriate culture and values of the function.
•    Contribute to ongoing training and development of team members.

Risk Management 

•    Oversee enterprise-wide liquidity and interest rate risk in the banking book ensuring alignment with risk appetite and regulatory requirements.  Monitor, measure and manage exposures, set limits, and perform scenario analysis and stress testing.  Maintain robust frameworks, policies and governance, validate models, provide insights for strategic planning and support senior management, GALCO/ALCO and regulators on risk mitigation, reporting and capital optimisation.

Governance
•    Assess the effectiveness arrangements to deliver effective governance, oversight and controls in the Liquidity and Funding Risk frameworks and, if necessary, oversee changes in these areas
•    Understand the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role. 
•    Contribute to delivering ‘effective governance’ by actively challenging Treasury / Business / Risk counterparts; and willingness to work with the Prudential Regulatory Authority in an open and cooperative manner.

 

Regulatory & Business Conduct
•    See Risk Management section above for regulatory deliverables.
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders/Committees

•    Global Treasurer
•    Treasury Liquidity, Capital, Recovery & Resolution Planning, Issuance, Markets
•    Regional & Country Treasury teams
•    Business stakeholders in CCIB, CPBB and SC Ventures
•    CPM and FRM
•    Financial Planning & Analytics
•    Country & Business Finance
•    Various other Finance teams (e.g., Regulatory Reporting, BSA and Disclosures)
•    Treasury CRO
•    Technology & Change organisation
•    Investor Relations
•    Rating Agencies, Investors
•    Regulators
•    GALCO
•    Board Risk Committee (BRC)
•    Digital Asset Risk Committee (DRC – attending as permanent invitee)

Skills and Experience

•    Degree in Finance (MBA) / Economics / Quantitative fields from a reputed institution.
•    Finance Professionals (Qualified Chartered Accountant) or Certifications like FRM, PRM or CFA is advantageous
•    Over 7+ years proven experience in Treasury Liquidity, Balance Sheet Management, Asset & Liability Management and/or Finance / Risk with strong understanding of FTP, Funding & Liquidity Regulation, Balance Sheet & Sources / Uses of Funding from top-tier banks / consultancy firms
•    Familiarity with banking book and trading book products and their impact on balances sheet, as well as funding requirements that arise from off-balance sheet positions
•    Good knowledge of cash flow modelling, liquidity risk, predictive models, trade simulations and Funds Transfer Pricing (FTP) mechanisms.
•    Experience in data analysis, data architecture, data transformations, building end to end inhouse data flows (pipes) from source to output, in a bank environment is advantageous
•    Ability to understand, define and articulate business requirements in a clear, precise manner (with project management experience is advantageous).
•    Ability to think objectively and commercially to help identify solutions to potential problems or emerging risks on the horizon via funding simulations and contingency planning
•    Experience with writing and presenting qualitative papers and presenting a plan, and reasons for deviations to that plan to Executive/Board level.
•    Ability to scope and conduct data intensive numerical studies and present the results in a concise and clear manner to audiences.
•    Able to work independently yet a great team player.

Role Specific Technical Competencies

•    Balance Sheet Management
•    Funding & Liquidity Risk
•    Funding & Liquidity Regulations
•    People management
•    Interest Rate Risk in the Banking Book
•    Funds Transfer Pricing
•    Product / Business Knowledge
•    Strategic Change Leadership
•    Financial Reporting and Performance Management
•    Planning, Modelling, Forecasting
•    Banking Technology Infrastructure