Associate Director, Capital Management, Treasury India

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.
•    Treasury Capital is responsible for the management and optimisation of the firm’s capital, balance sheet, and structural liquidity, ensuring resilience, regulatory compliance, and efficient deployment of capital across the organisation. Within the Global Capability Centre (GCC) model, Treasury Capital plays a key role in delivering well controlled, standardised and scalable capital processes by partnering closely with Group Treasury, Risk, Finance, and regional stakeholders. The function supports core regulatory and strategic initiatives including ICWP / ICAAP, capital stress testing, recovery and resolution planning, and balance sheet optimisation.
•    The Associate Director – Treasury Capital, India Hub will support the Head of Treasury Capital, India in delivering the Group’s capital management agenda through high quality analysis, robust processes and strong controls. The role will be responsible for owning and executing defined Treasury Capital deliverables from the India Hub, contributing to process migration, standardisation, automation and transformation initiatives, and supporting Group and Country stakeholders on prudential, regulatory and strategic capital topics.

Key Responsibilities

Strategy
•    Maintain strong awareness of the Group’s business strategy and ensure assigned capital analyses and deliverables are aligned to strategic priorities.
•    Support the development and embedding of analytics led insights for capital management through robust MI, diagnostics and scenario analysis.
•    Contribute to capital optimisation discussions by identifying sensitivities, trade-offs and key drivers through structured analysis.
•    Provide analytical support to strategic balance sheet and capital decision making forums.
Business
•    Deliver core capital management activities including:
•     Capital forecasting and planning support
•     Sensitivity analysis, scenario modelling and stress testing
•    Support ICWP / ICAAP and related prudential processes through accurate, timely and well controlled execution.
•    Embed BCBS 239 principles into capital deliverables, ensuring strong data governance, documentation and traceability.
•    Support change management for capital related regulatory and policy changes, including impact assessments and execution support.
•    Assist with regulatory consultation reviews and preparation of internal responses and analysis.
•    Support internal and external audit and regulatory examinations by providing high quality analysis, documentation and explanations.

Processes
•    Support the migration of Treasury Capital processes from Group and Country teams into the India Hub in line with agreed operating models.
•    Develop end to end understanding of assigned capital processes and products (e.g. ICWP / ICAAP components, stress testing workflows).
•    Assist in decomposing and standardising capital processes across jurisdictions to improve consistency, resilience and efficiency.
•    Identify process inefficiencies, control gaps or data quality issues and propose remediation actions.
•    Support automation, digitisation and simplification initiatives across capital processes, MI and reporting.
•    Ensure assigned deliverables meet Group and Country regulatory, governance and control requirements at all times.
People & Talent
•    Be part of a diverse, skilled Treasury Capital team within the India Hub.
•    Collaborate effectively with Treasury, Finance, Risk, CPM, Technology and Change teams across regions.
•    Contribute to knowledge sharing, documentation and continuous improvement within the team.
•    Lead by example in reinforcing the right culture, conduct standards and control discipline.
Risk Management
•    Support capital related governance and control frameworks within assigned scope of responsibility.
•    Assist with preparation of materials and analysis for governance forums including:
•    ALCO / RALCO
•    Board Risk Committee
•    Board level capital updates
•    Ensure compliance with Group policies, prudential rules and regulatory expectations for owned deliverables.
•    Support periodic assessments, attestations and control reviews related to capital activities.

Governance
•    Support the assessment of governance arrangements, controls and oversight across Treasury Capital processes.
•    Maintain awareness of the regulatory environment and supervisory expectations relevant to capital management.
•    Contribute to effective governance by constructively challenging assumptions, methodology and outcomes through evidence based analysis
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 responsibility for understanding and complying with all applicable laws, regulations, internal policies and standards.
•    Proactively identify, escalate and help resolve risk, conduct and compliance matters.
Key stakeholders/Committees
•    Treasury Capital (Group / Region / Country)
•    Treasury Liquidity, 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
•    Regulatory Reporting, BSA and Disclosures teams
•    Technology & Change organisation
•    GALCO / ALCO / RALCO (supporting role)
•    Regulators (as applicable)

Skills and Experience

•    Balance Sheet Management
•    Funding & Liquidity Risk
•    Funding & Liquidity Regulations
•    Interest Rate Risk in the Banking Book
•    Funds Transfer Pricing
•    Product / Business Knowledge
•    Financial Reporting and Performance Management
•    Planning, Modelling, Forecasting
•    Capital Reporting & Management
•    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

Qualifications

•    Degree in Finance (MBA) / Economics / Quantitative disciplines from a reputed institution.
•    Qualified Chartered Accountant or professional certifications such as FRM, PRM or CFA are advantageous.
•    6+ years of relevant experience in Treasury Capital, Balance Sheet Management, ALM, Finance or Risk within a banking or financial services environment.
•    Familiarity with banking products and their balance sheet and capital impacts, including off balance sheet exposures.
•    Experience supporting regulatory deliverables, audits or supervisory interactions is advantageous.
•    Exposure to data analysis, data transformations and end to end reporting processes in a bank environment is beneficial.
•    Strong attention to detail, control mindset and ownership orientation.