Head of Liabilities

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.

Preferred Qualifications

• Experience with bancassurance or investment product distribution.
• Exposure to digital deposit/investment platforms.
• Regional GCC banking experience.

Work Type

This is a full-time position. Salary details will be discussed during the interview process.