ALM & Liquidity Strategist

Krom; Indonesia; On-site; IDR 150,000,000 - 210,000,000; Full time

Job summary

Krom is seeking a detail-oriented ALM professional to monitor the bank's balance sheet, liquidity, and interest rate risk, driving sustainable profitability. You will analyze asset-liability structure, prepare liquidity projections, and support ALCO with timely insights.

Ideal candidates have 2–3 years in banking, strong Excel and SQL skills, and a solid grasp of NII, NIM, liquidity ratios, and regulatory metrics. This role offers a path to contribute to strategic balance sheet decisions.

Qualifications

• Bachelor's degree in finance, Accounting, Economics, Mathematics, Statistics, or a related field.
• 2–3 years of relevant banking experience in ALM, Treasury, or Balance Sheet Management.
• Strong understanding of banking products, liquidity management, and profitability.

Responsibilities

• Monitor balance sheet structure, asset-liability composition, and maturity profile.
• Prepare liquidity projections, cash flow forecasts, and liquidity gap analysis.
• Track liquidity ratios and regulatory liquidity metrics.
• Analyze IRRBB and its impact on NII and profitability.
• Monitor cost of funds, asset yields, and NIM for optimization.
• Prepare ALM reports for ALCO and senior management.
• Collaborate with Treasury, Finance, Risk, and other units on balance sheet strategy.

Skills

Analytical skills

Financial analysis

Excel

SQL

Problem solving

Communication

Education

Bachelor's in Finance

Tools

SQL

Excel

Core banking systems

Job description

Krom is seeking a detail-oriented ALM professional to monitor the bank's balance sheet, liquidity, and interest rate risk, driving sustainable profitability. You will analyze asset-liability structure, prepare liquidity projections, and support ALCO with timely insights.

Ideal candidates have 2–3 years in banking, strong Excel and SQL skills, and a solid grasp of NII, NIM, liquidity ratios, and regulatory metrics. This role offers a path to contribute to strategic balance sheet decisions.