What you'll be doing:
As the Market and Liquidity Risk Officer, you will help Tonik stay resilient by assessing and managing the bank's exposure to market, liquidity, and interest rate risks. Your expertise will drive the development of robust risk management policies and processes, ensuring we are always prepared for economic shifts while maintaining optimal liquidity and financial stability.
Key Responsibilities:
- Risk Assessment: Assess the impact of market movements, interest rate changes, and other macroeconomic factors on Tonik's financial position, and recommend strategies for mitigating potential risks.
- Policy Development: Develop and implement risk management policies and procedures related to market, liquidity, and interest rate risk (IRRBB), ensuring they align with regulatory requirements and Tonik's risk appetite.
- Cross-Department Collaboration: Work with various internal teams to gather key information, ensuring effective risk management practices are integrated across all departments.
- Risk Reporting: Prepare and present comprehensive risk reports to senior management, highlighting key risk metrics, emerging trends, and areas of concern.
- Stress Testing & Scenario Analysis: Conduct stress testing and scenario analysis to evaluate Tonik's balance sheet resilience under different economic conditions and stress events.
- Risk Models & Tools: Contribute to the development and enhancement of risk models and methodologies for assessing market, liquidity, and interest rate risks.
- Audit & Compliance: Collaborate with internal and external auditors to facilitate audits related to market, liquidity, and interest rate risks, ensuring compliance with regulations and internal standards.
What you'll bring to the table:
- Education: A Bachelor's degree in Finance, Economics, Mathematics, or a related field. A professional certification such as Financial Risk Manager (FRM) is a plus.
- Experience: At least 2-3 years of experience in market, liquidity, and interest rate risk management, preferably within the banking industry or fintech environment.
- Analytical Skills: Strong analytical skills with the ability to interpret financial data and risk metrics, and the capability to make data-driven decisions.
- Risk Knowledge: Solid understanding of risk models, methodologies, and regulatory requirements related to market, liquidity, and interest rate risk (IRRBB).
- ICAAP Experience: Experience in handling Internal Capital Adequacy Assessment Process (ICAAP) is preferred.
- Reporting: Experience in preparing and delivering clear and concise risk reports for stakeholders.
- Communication Skills: Excellent oral and written communication skills, with the ability to explain complex financial concepts to different audiences.
