At a Glance
- Tasks: Lead liquidity strategy and risk management, ensuring compliance and optimising funding.
- Company: Secure Trust Bank, a purpose-driven organisation focused on customer satisfaction.
- Benefits: Competitive salary, 25 days leave, wellbeing hour, and flexible benefits.
- Other info: Join a diverse team that values individuality and promotes professional development.
- Why this job: Make a real impact in a dynamic banking environment with growth opportunities.
- Qualifications: Experience in liquidity management and strong stakeholder engagement skills.
The predicted salary is between 75600 - 92400 £ per year.
Location: Solihull or London (with hybrid working)
Hours: 35 hours per week
About the company
Our customers are at the heart of everything we do, but we can’t achieve our customer focused strategy without the right people in our team. At Secure Trust Bank, we know that people are our biggest asset, which is why a career with us is not just a job. It’s the chance to be part of something bigger, to add real value to the Bank and help us constantly improve. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group’s core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast-paced environment.
Why Join Us?
- A competitive salary and benefits package including discretionary bonus
- Matched pension contributions
- 25 days annual leave plus bank holidays and your birthday off, on us!
- A monthly wellbeing hour to spend doing whatever makes you happy
- A wide range of flexible benefits from Cycle2Work to private healthcare
- Life assurance
- Paid volunteering days and matched charity fundraising
- A collaborative and flexible working environment.
- Opportunities for professional development and career progression.
- A chance to make a real impact in a regulated, purpose-driven organisation.
What you’ll be doing
As Head of Liquidity, you will play a pivotal role in shaping and delivering the Group’s liquidity strategy, ensuring a robust and effective approach to liquidity risk management across the business. Leading all aspects of liquidity management, you will combine strategic oversight with hands-on leadership, driving continuous improvement, regulatory compliance, and funding optimisation. Acting as the Group’s liquidity subject matter expert, you will have significant exposure to senior stakeholders and regulators while leading the delivery of key regulatory frameworks, including the ILAAP and Recovery Plan. You will also be instrumental in developing the Group’s funding strategy, supporting both retail and wholesale funding initiatives and helping to drive the organisation’s long-term growth ambitions.
- Lead the day-to-day management of the Group’s liquidity and funding risks, supporting the Treasurer in delivering strategic objectives.
- Oversee the production and analysis of daily, weekly and monthly liquidity reporting and management information.
- Drive the development and implementation of liquidity risk management tools, frameworks and reporting capabilities.
- Own the Group’s ILAAP and L-SREP processes, including liquidity and funding stress testing and regulatory engagement.
- Develop, maintain and deliver the Group Funding Plan, ensuring alignment with business strategy, growth ambitions and risk appetite.
- Ensure ongoing compliance with prudential regulatory requirements, including the ILAAP, Recovery Plan and Resolution Pack.
- Support the definition and ongoing refinement of the Bank’s liquidity and funding risk appetite, policies and governance framework.
- Manage the Group’s portfolio of liquid assets and investment strategy to optimise liquidity and funding outcomes.
- Contribute to treasury strategy, capital markets initiatives, committee governance and key funding projects across the Group.
- Build and maintain strong relationships with regulators, senior stakeholders and external partners while leading and developing a high-performing treasury team.
What we’re looking for
- Significant experience in liquidity and funding management within a UK retail banking environment, operating at Senior Manager or Head of level.
- Deep expertise in liquidity risk management, funding strategies, stress testing and balance sheet management.
- Proven experience leading and delivering ILAAPs, with strong knowledge of key regulatory metrics including LCR and NSFR.
- Strong understanding of the UK prudential regulatory framework and experience engaging directly with regulators.
- Excellent stakeholder management and influencing skills, with the ability to build trusted relationships across senior leadership teams and external partners.
- A collaborative and strategic leader who can balance long-term planning with operational delivery, manage complex projects and develop high-performing teams.
Everyone is different. Everyone is valued.
As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people being our strength; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role. That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.
We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
Head of Liquidity employer: Secure Trust Bank
At Secure Trust Bank, we pride ourselves on being an exceptional employer that values our employees as our greatest asset. With a competitive salary, generous benefits including 25 days of annual leave and a monthly wellbeing hour, we foster a collaborative and flexible work culture that encourages professional development and career progression. Join us in Solihull, Manchester, or Cardiff, and be part of a purpose-driven organisation where your contributions directly impact responsible lending and customer outcomes.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Liquidity
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Secure Trust Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of Liquidity
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Secure Trust Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Secure Trust Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Secure Trust Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Secure Trust Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Secure Trust Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Secure Trust Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
