Head of Capital & Liquidity

Judo Bank; Melbourne; Hybrid; AUD 250,000 - 320,000; Full time

Benefits offered by this job

Two weeks additional leave

Health & wellbeing offerings

Work-from-home setup allowance

Discounts & perks (Flare)

Flexible work options (hybrid)

Parental leave up to 20 weeks

Education assistance

Job summary

Judo Bank is seeking a Head of Capital & Liquidity to lead capital planning, ICAAP coordination and liquidity risk management, ensuring balance sheet resilience and regulatory compliance. You will partner with Treasury, Finance and Risk, providing analysis to ALCO, the Executive, the Board and APRA.

This senior role focuses on capital forecasting, liquidity management, and regulatory reporting, with opportunities to influence strategic balance sheet decisions and drive industry-leading practices.

Qualifications

• Significant experience in an ADI Treasury, Capital Management, Liquidity Risk or Balance Sheet Management function.
• Hands-on experience with bank capital frameworks, ICAAP and prudential requirements.
• Experience identifying capital optimisation initiatives and regulatory capital efficiency opportunities.
• Strong liquidity management experience, including forecasting, stress testing and contingency planning.
• Proven ability to influence senior stakeholders and communicate complex concepts to execs, Board and regulators.

Responsibilities

• Own capital management framework, ICAAP, capital forecasting and Board reporting.
• Lead liquidity risk management framework, forecasting and ALCO reporting.
• Oversee regulatory reporting with strong governance and audit readiness.
• Identify and deliver capital optimisation initiatives and securitisation-related benefits.
• Prepare and present insights for ALCO, Executive, Board and APRA.
• Collaborate with Treasury, Finance and Risk stakeholders to support balance sheet decisions.

Skills

Capital management

Liquidity risk

Balance sheet management

ICAAP

Regulatory reporting

Stakeholder influence

Job description

At Judo, we’re redefining business banking for the modern era. Built on teamwork, trusted relationships and a challenger spirit, we exist to better serve Australian SMEs. What began in 2016 as a bold idea has grown into one of the fastest‑growing new banks globally, with more than 30 locations nationwide.

We put our people and customers at the heart of everything we do. Our agility means we can say ‘yes’ when others say ‘no’, delivering personalised banking that helps businesses access the funding they need, when they need it. Relationships matter here - with our customers and with each other.

Our culture - a multi-award-winning place to work

We firmly believe that culture eats strategy for breakfast, lunch, and dinner and that the most important investment we can make is in our people. Our values of Trust, Teamwork, Accountability and Performance guide how we work every day.

Judo was built from the ground up with a clear purpose: to be the most trusted SME business bank in Australia. Our customers and relationships are at the heart of how we work, not bureaucracy. We think differently, invite new ideas, and create an environment where people feel they belong and are empowered.

We’re proud to be externally recognised too - including being named on the AFR BOSS Best Places to Work list for four consecutive years. We are certified as a Great Place To Work® Australia organisation, being recognised as one of Australia’s Best Workplaces™ 2025, celebrating our dedication to fostering an inclusive, empowering environment.

Our vision is to build a world‑class SME business bank and it’s our people that can make it happen.

Job Description

Now, about this opportunity...

Reporting to the Treasurer, the Head of Capital & Liquidity is responsible for Judo’s capital management and liquidity management frameworks, ensuring strong balance sheet resilience, regulatory compliance and forecasting capability.

This is a critical leadership role within Treasury with responsibility for capital planning, ICAAP coordination, liquidity risk management and balance sheet optimisation activities. You will work closely with Treasury, Finance and Risk leaders, providing analysis and recommendations to ALCO, Executive stakeholders, the Board and APRA.

If that excites you, this just might be your dream job:

• Own Judo’s capital management framework, including ICAAP, capital forecasting, scenario analysis, contingency planning and Board reporting
• Support enterprise stress testing activities, ensuring outcomes are translated into capital planning and management actions
• Identify and evaluate capital optimisation initiatives, including securitisation-related capital benefits and other regulatory capital efficiency opportunities
• Lead the Bank’s liquidity risk management framework, including MLH management, liquidity forecasting, Internal Liquidity Adequacy Assessment and key risk indicator design
• Lead preparedness for future prudential liquidity regimes and regulatory change impacting liquidity management
• Oversee capital and liquidity regulatory reporting, ensuring strong governance, controls and audit readiness
• Prepare and present recommendations and insights for ALCO, Executive, Board and APRA audiences
• Partner closely with Treasury, Finance and Risk stakeholders to support effective balance sheet management and strategic decision-making

Qualifications

You’ll likely bring:

• Significant experience within an ADI Treasury, Capital Management, Liquidity Risk or Balance Sheet Management function. Direct banking experience is essential, with hands‑on experience across bank capital frameworks, ICAAP and prudential requirements.
• Experience identifying and assessing capital optimisation initiatives
• Strong liquidity management experience, including forecasting, stress testing and contingency planning
• Experience identifying and assessing capital optimisation initiatives
• Strong understanding of regulatory capital and liquidity requirements within an Australian banking environment
• Proven ability to influence senior stakeholders and communicate complex concepts clearly to Executive, Board and regulatory audiences
• Confidence making decisions and owning outcomes
• A collaborative, relationship-led approach to your work
• Curiosity, adaptability and a desire to keep learning
• A passion for supporting SME Business customers

Applications close at EOD on Friday, 13 November.

Additional Information

Why you’ll love working at Judo:

• Two Weeks of Additional Leave Every Year
• Holistic Health & Wellbeing Offerings designed to support your best life, including access to GPs, nutritionists, coaches and psychologists via our partner, CU Health
• Working from Home Setup Allowance
• Flare Benefits & Discounts - access to a wide range of everyday savings and perks
• Freedom to work flexibly with flexible work options including hybrid working
• Equal access to Company Paid Parental Leave - up to 20 weeks
• Education Assistance

Judo is proud to be an inclusive workplace where everyone is valued and can feel that they belong. We welcome applications from people of all backgrounds, experiences and identities.

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