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.

This role is part of Treasury India, which is evolving to become a world-class capability centre supporting global Treasury across Liquidity, Capital, IRRBB, FTP and Balance Sheet Management.

The India Hub's mandate is to deliver integrated analytics, forward-looking insights and process transformation, enabling Treasury to operate with greater speed, control and commercial effectiveness.

This role is specifically focused on re-engineering core Treasury processes using AI, advanced analytics and modern engineering tools. The objective is to significantly reduce manual effort, improve turnaround times, and enable scalable, data-driven decision making.

The successful candidate will operate as a Specialist, Balance Sheet Management (BSM) supporting Balance Sheet Simulator (BSS) platform.

The role will help deliver integrated Treasury simulations across Liquidity, Capital, NII and Balance Sheet Management, supporting global Treasury stakeholders with scenario execution, model interpretation, data quality controls, user enablement and process transformation.

The successful candidate will require strong analytical financial modelling capability, hands-on platform execution experience, and the ability to explain simulation outputs clearly to business, Finance, Risk, Technology and Data stakeholders.

Key Responsibilities

Strategy

Support the evolution of BSS as a scalable Treasury simulation capability across Liquidity, Capital, NII and Balance Sheet Management.
Contribute to the Treasury India capability centre agenda by helping improve speed, control, automation and data-driven decision making in core Treasury processes.
Support process transformation initiatives, including reduction of manual effort, improved data quality controls, automation of recurring activities and improved user self-service.
Translate business needs into clear platform requirements, working with Treasury, Finance, Risk, Data and Technology teams to improve BSS adoption and usability.
Identify opportunities to:
Eliminate manual processes
Reduce reliance on EUCs
Improve control and scalability

Business

Execute, support and explain BSS simulations for key Treasury use cases including Corporate Plan, Outlook, Funding Plan, Management Stress Test, NII scenario planning and liquidity forecasting.
Analyse the impact of balance sheet assumptions, interest rate movements, funding mix, liquidity assumptions and capital metrics on simulation outputs.
Provide structured insight on simulation results, including key drivers, variances, reconciliations, assumptions and limitations.
Support stakeholders in understanding BSS outputs and using the platform effectively for planning, forecasting and scenario analysis.

Processes

Run and support end-to-end BSS simulation processes, including scenario setup, parameter configuration, data validation, output checks, result publication and follow-up analysis.
Perform data diagnostics and reconciliation across upstream sources, BSS inputs and simulation outputs, escalating issues where required.
Maintain robust documentation of simulation assumptions, process steps, controls, issue logs and user guidance.
Support automation and simplification of manual overlays, adjustment processes, data quality checks and recurring simulation activities.
Help reduce reliance on system administrators by enabling controlled user execution and clearer operating procedures

People & Talent

Provide knowledge transfer, training and platform guidance to Treasury users and new team members.
Translate complex modelling concepts into clear, practical user workflows and reusable documentation.
Work collaboratively across locations and functions, including Treasury, Finance, Risk, Technology, Data and platform teams.
Build strong stakeholder relationships and contribute to a culture of ownership, continuous improvement and service excellence.
While not a people leader, expected to:
Influence stakeholders
Drive adoption of new tools and practices
Act as a thought partner on process transformation

Risk Management

Identify, investigate and escalate data quality, modelling, process and control issues that may affect BSS outputs.
Support design and execution of controls over simulation inputs, assumptions, adjustments and outputs.
Ensure assumptions, adjustments and output reconciliations are transparent, auditable and appropriately documented.
Support issue resolution where discrepancies arise from aggregation, weighting, taxonomy mapping, model assumptions or source data limitations.

Governance

Maintain process discipline around scenario setup, version management, data validation, manual adjustments and results publication.
Contribute to governance routines, issue tracking and prioritisation forums for BSS enhancements and production support.

Regulatory & Business Conduct

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

Group Treasurer
Treasury Liquidity, Capital, Recovery & Resolution Planning, Issuance, Markets
Treasury Finance
Group FP&A
Regional, Cluster & Country Treasury teams
Business Finance – CIB & WRB

Skills And Experience

Balance Sheet Management
Planning, Modelling and Forecasting
Funding and Liquidity Risk
Financial reporting and performance management
Interest Rate Risk/ NII
Data analytics and reconciliation
Banking Technology/ Platform Operations

Qualifications

Degree in Finance (MBA) / Economics / Data Science/ Quantitative fields from a reputed institution.
Finance Professionals (Qualified Chartered Accountant) or Certifications like FRM, PRM or CFA is advantageous
Over 15+ years proven experience in Treasury Finance, Balance Sheet Management, Asset & Liability Management and/or Finance / Risk with strong Prudential Regulation, Balance Sheet & Sources / Uses of Funding from top-tier banks / consultancy firms
Experience in Treasury, Balance Sheet Management, Liquidity, Capital, NII, IRRBB, FTP, financial planning, regulatory reporting, product control, risk management or banking analytics.
Hands-on experience with financial modelling, forecasting, scenario analysis, stress testing or simulation platforms.
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
Experience in dealing with strong stakeholders, both quantitatively and qualitatively.
Ability and proven leadership skills to lead large teams across multiple locations.
Good stakeholder management, able to see the commercial value on business intent whilst able to translate the impact on funding sources.
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.
Proven track record of leading global teams & high performance

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
Flexible working options based around home and office locations, with flexible working patterns.
Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Associate Director, Balance Sheet Management (BSM)