Asset & Liability Management Executive

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

About the Role:

We are looking for a detail-oriented and analytical professional to join our Asset & Liability Management Executive (ALM) team. This role is responsible for monitoring and managing the Bank's balance sheet structure, liquidity position, and interest rate risk to support sustainable profitability.

Key Responsibilities:

• Monitor and analyze the Bank's balance sheet structure, asset-liability composition, and maturity profile to ensure effective balance sheet management.
• Prepare liquidity projections, cash flow forecasts, and liquidity gap analysis to support the Bank's liquidity planning and management.
• Monitor key liquidity ratios, indicators and other applicable regulatory liquidity metrics.
• Analyze interest rate risk in the banking book (IRRBB), including the impact of interest rate movements on Net Interest Income (NII) and the Bank's profitability.
• Monitor and analyze the Bank's cost of funds, asset yields, and Net Interest Margin (NIM) to identify opportunities for balance sheet optimization.
• Prepare regular ALM reports, management information, and analytical materials for ALCO meetings and senior management.
• Collaborate with Treasury, Finance, Risk Management, Business, and other relevant units to support balance sheet strategy and liquidity management.

About You:

• Bachelor's degree in finance, Accounting, Economics, Mathematics, Statistics, or a related field.
• Minimum 2-3 years of relevant experience in banking, preferably in Asset & Liability Management, Treasury, Balance Sheet Management
• Good understanding of banking products, balance sheet structure, liquidity management, interest rate risk, and banking profitability.
• Familiarity with liquidity ratios, maturity gap analysis, cost of funds, asset yields, NII, NIM, FTP and ALCO processes.
• Strong analytical, quantitative, and problem-solving skills, with the ability to interpret financial data and translate analysis into actionable recommendations.
• Proficiency in Microsoft Excel and core banking system; experience with data analysis tools such as SQL, or other business intelligence tools will be an advantage.
• Holding a level 5 treasury certificate is an advantage.