Treasury ALM Analyst - Emerging Lead

State Street; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

State Street in Bengaluru seeks an ALM Analyst to optimize the balance sheet and maximize net interest revenue within risk appetite. The role focuses on NII/IRR forecasting, stress testing, and collaboration with data analytics and model teams.

The candidate should have 3–5 years of banking/financial services experience, postgraduate study in finance, and strong quantitative and communication skills. The position supports a global treasury function and reports to the ALM leadership.

Qualifications

• Postgraduate degree in Finance or related field required; MBA preferred.
• Experience in banking/financial services; treasury ALM experience preferred.
• Strong quantitative aptitude and ability to model complex financial concepts.

Responsibilities

• Support balance sheet optimization and NII/IRR forecasting.
• Collaborate with model developers and oversight partners on balance sheet model enhancements.
• Ensure accuracy and timely ALM reporting, including NII and EVE sensitivities.
• Provide value-added analytics and strategic input for time-critical initiatives.
• Coordinate with ALM, Treasury, and Finance for month-end and quarter-end reporting.

Skills

QRM software

SQL programming

Data management

Financial markets

Communication skills

Independent work

Financial modeling

Attention to detail

Education

Postgraduate degree in Finance

MBA preferred

Tools

SQL

QRM software

Job description

Basic Purpose of Job:

The Asset Liability Management (ALM) team within Global Treasury is responsible for optimizing the company's balance sheet while maximizing net interest revenue (NIR) within our risk appetite and regulatory constraints. Key functions within ALM include balance sheet and NIR forecasting and interest rate risk (IRR) management which are supported by groups focused on data analytics, balance sheet modeling and senior management and Board reporting. ALM is also responsible for coordinating the company's deposit pricing strategy, return on capital and funds transfer pricing methodologies and balance sheet strategy. ALM works closely with other functions across Global Treasury, Finance, Risk Management and Business Units.

Responsibilities & Tasks Include:

The Interest Rate Risk team is responsible for:

• Support new quarterly stress testing initiative and firm-wide scenario execution
• Work closely with model developers and oversight partners on balance sheet model enhancements and redevelopment
• Analyzing output and ensuring reasonability of results
• Ensuring timely preparation and delivery of ALM reporting including NII and EVE sensitivities
• Providing value added analytics is a fundamental expectation of the role as is ability to provide strategic input into time critical initiatives

General:

• Following procedures and maintaining existing processes, but also thinking critically about forecast and IRR topics to build subject matter expertise
• Providing analytical support to drive key balance sheet initiatives
• Reporting and analyzing actual balance sheet, NII and IRR trends to support month-end and quarter-end processes
• Responding in a timely and accurate manner to ad-hoc requests
• Working with other team members across ALM, Treasury, and Finance to ensure timely, accurate reporting for routine committee presentations
• Learn new concepts and become a subject matter expert on various balance sheet and ALM processes
• Apply knowledge/skills handling complex problems and/or coordinating work which may extend beyond own area of expertise; share expertise with colleagues and other departments

Job Requirements:

Education and Experience:

• Minimum of postgraduate degree, preferably in Finance or related field,MBA preferred
• 3-5 Years of experience in banking,financial services.Treasury ALM related experience preferred

Skills/ Knowledge:

• Quantitative Risk Management (QRM) software experience required
• Strong background in data management, programming/SQL background a plus
• Strong quantitative aptitude/skills and experience modeling complex financial concepts
• Detail oriented and effective written and verbal communication skills
• Experience using software applications to define and solve complex business problems
• Knowledge of financial markets
• Ability to work independently and in a team environment
• Ability to communicate complex concepts to broad audiences
• Ability to multi-task, manage priorities, work independently while maintaining attention to detail and meet deadlines in a demanding and deadline-oriented environment
• Must possess strong communication skills with ability to participate in conference calls and contribute to presentation of financial results to financial and non‑financial audiences at various levels of seniority
• Solid business knowledge as it relates to the financial services industry
• Financial product and institution knowledge
• Self‑motivated, self‑assured, and self‑managed
• Results oriented ownership mindset

About State Street

Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success.

We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. As an essential partner in our shared success, you'll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most. Join us in shaping the future.

As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law.

Discover more information on jobs at StateStreet.com/careers

Read our CEO Statement