Head of Liabilities📣 إعلان

منذ دقيقة واحدة

	نوع العقد	دوام كامل
	طبيعة الوظيفة	بالموقع
	الموقع	السعودية

وصف الوظيفة

About Code Ninja

Code Ninja is a technology and AI consulting firm that delivers embedded and forward-deployed engineering and leadership talent. The firm partners with leading financial institutions across KSA, Pakistan, Egypt, and Latin America to help them build high-performing teams and scale critical business functions.

The Role: Head of Liabilities

Code Ninja is seeking a Head of Liabilities to lead the retail liabilities business for one of its banking clients. This is a senior leadership role responsible for driving deposit growth, optimizing CASA mix, managing the cost of funds, and shaping product and pricing strategy across the liabilities portfolio. The position involves end-to-end ownership of CASA, savings, term deposits, and investment/bancassurance propositions.

Key Responsibilities

Own the P&L for the retail liabilities business, including CASA, savings, term deposits, and investment/bancassurance products.
Drive deposit growth strategy and CASA optimization to improve balance sheet mix and reduce the cost of funds.
Lead pricing strategy across liability products in line with ALM and treasury guidelines.
Develop and launch new liabilities and investment/bancassurance propositions aligned to market and customer needs.
Partner with Treasury/ALM on funding strategy, liquidity management, and cost of funds optimization.
Oversee Sharia-compliant deposit structures where applicable, ensuring product compliance with regulatory and Sharia board requirements.
Build and lead a high-performing liabilities product and sales team.
Collaborate with Marketing, Digital, and Branch/Distribution teams to drive product penetration and customer acquisition.
Monitor the competitive landscape and market trends to inform product and pricing decisions.
Report on portfolio performance, growth metrics, and P&L to senior leadership.

Required Qualifications

12+ years of banking experience, with at least 7 years in a senior leadership role within consumer liabilities, deposits, or investments.
Strong track record in CASA growth and optimization.
Solid understanding of ALM principles and cost of funds management.
Experience with Sharia-compliant deposit structures.
Demonstrated ownership of a liabilities P&L.
Strong product strategy and pricing capability.