As part of our “Building
Tomorrow Together 2025-2030” strategic plan, we are building a Cash Collection
desk to support the growth of our commercial franchise. The Deposit Structurer
is responsible for supporting the operational and strategic activities of the
Cash Collection desk. This role involves managing deposit products, growing
customer deposit portfolios, and collaborating with Balance Sheet Management
teams to ensure efficient liquidity management and competitive deposit
offerings.
Your next challenge:
Creation, development and execution of offerings:
- Actively participate in establishing a center of competence for client deposit products.
- Acting as a single point of contact for collecting deposits from public sector entities, corporates and high-net-worth individuals.
- Participate in the development of a comprehensive range of deposit products and assist in structuring and executing deposit products.
- Create and optimize internal pricing grids. Work closely with CIB Financial Market teams to ensure internal alignment on funding offerings and collaborate with relationship managers to deliver customized pricing.
- Establish and maintain a stable and diversified deposit base, enhancing the quality and contribution to regulatory liquidity metrics (LCR, NSFR).
- Ensure accurate pricing and lifecycle management of deposit offerings, aligning with strategic goals and regulatory requirements.
Optimization of deposit collection:
- Develop and implement strategies to optimize deposit collection volumes and reduce the bank’s overall funding costs by collaborating with internal liquidity providers (Corporate & Institutional Banking, and Wealth Management teams in Luxembourg, Switzerland and France).
- Develop a network of external liquidity providers (like fiduciary deposits and corporate deposit brokers) to ensure the desk provides competitive deposit offerings aligned with the evolving money market trends in Europe.
Collaboration:
- Support the Head of Cash Collection desk in achieving strategic objectives and optimizing performance indicators focused on deposit growth, quality, and average funding cost.
- Work with ALM, Treasury and Market & Liquidity Risk Management for system developments and enhancements related to deposit products.
- Participate in coordination meetings between Balance Sheet Management and CIB to align actions and strategies.