Lead, Balance Sheet Management

GXBank; Selangor; On-site; MYR 360,000 - 600,000; Full time

Job summary

GXBank, Malaysia's first digital bank approved by Bank Negara Malaysia and backed by Grab, seeks a Lead, Capital & Balance Sheet Management to oversee balance sheet, risks and capital in line with regulatory standards.

You will manage monthly ALCO reporting, liquidity forecasting, and strengthen governance and data quality while guiding capital stress testing and regulatory changes to keep the bank robust.

Qualifications

• Minimum 8 years of working experience in Capital & Balance Sheet Management.
• Strong ALM knowledge and cross-border teamwork.
• Good communication and interpersonal skills.

Responsibilities

• Drive balance sheet strategy in line with policies and risk appetite.
• Identify material risks and support strategic initiatives.
• Lead stress-testing to ensure capital robustness across cycles.
• Ensure regulatory and internal reporting complies with standards.
• Own monthly ALCO reports, daily liquidity reporting, and weekly forecasts.
• Strengthen governance, data quality, and reporting controls.

Skills

ALM techniques

Analytical ability

Communication skills

Education

Qualified accountant (CA/ACCA/CPA or equivalent)

Job description

GXBank is the FIRST digital bank in Malaysia approved by Bank Negara Malaysia (BNM). Backed by Grab, our mission is simple yet powerful: to leverage cutting-edge technology to serve the unserved and underserved—the everyday Malaysians and MSMEs who need it most.

We are a team driven by passion, innovation, and a shared purpose to redefine the financial landscape. If you’re tired of legacy systems and want to build something that truly matters, you belong here.

The Role

The Lead, Capital & Balance Sheet Management at GX Bank Berhad proactively manages the bank's balance sheet, risks, and capital levels in alignment with regulatory and internal standards. This role also oversees monthly ALCO reporting, liquidity forecasting, and enhances control environments while supporting organizational compliance with regulatory changes.

What You’ll Be Doing:

• Drive Balance Sheet Strategy: Proactively manage the Bank’s balance sheet, ensuring all activities align with our internal policies and risk appetite.
• Risk & Opportunity Management: Identify material risks and champion strategic initiatives that safeguard and enhance our earnings.
• Capital Health: Lead stress-testing efforts to ensure our capital levels remain robust through changing economic cycles.
• Regulatory Compliance: Stay ahead of regulatory shifts to ensure our capital and liquidity reporting meets all necessary standards.
• Reporting & Forecasting: Own the preparation of monthly Asset-Liability Committee (ALCO) reports, while managing daily liquidity reporting and weekly forecasting.
• Governance & Controls: Build strong governance processes and continuously enhance our control environment—focusing on reconciliation, data quality, and accurate reporting.
• Strategic Impact Analysis: Provide insightful analysis on regulatory changes to help the Bank adapt effectively.

Who We Are Looking For:

• Minimum 8 years of working experience in Capital & Balance Sheet Management.
• Preferably a qualified accountant in the Banking/Financial Services sector.
• Good knowledge of ALM (asset-liability management) techniques and practices.
• Comprehensive understanding of financial markets products, retail and commercial banking products.
• Experience in working with cross border and functional teams.
• Structured thought process and a strong analytical ability.
• Good communication & interpersonal skills.