Head of Liabilities

About CodeNinja
CodeNinja is a technology and AI consulting firm delivering embedded and forward-deployed engineering and leadership talent across KSA, Pakistan, Egypt, and Latin America. We partner with leading financial institutions to help them build high-performing teams and scale critical business functions.

About the Role
We are hiring a Head of Liabilities to lead the retail liabilities business for our banking client — owning CASA, savings, term deposits, and investment/bancassurance propositions end-to-end. This is a senior leadership role responsible for driving deposit growth, optimizing CASA mix, managing cost of funds, and shaping product and pricing strategy across the liabilities portfolio.

Key Responsibilities

• Own the P&L for the retail liabilities business, including CASA, savings, term deposits, and investment/bancassurance products
• Drive deposit growth strategy and CASA optimisation to improve balance sheet mix and reduce cost of funds
• Lead pricing strategy across liability products in line with ALM and treasury guidelines
• Develop and launch new liabilities and investment/bancassurance propositions aligned to market and customer needs
• Partner with Treasury/ALM on funding strategy, liquidity management, and cost of funds optimisation
• Oversee Sharia-compliant deposit structures where applicable, ensuring product compliance with regulatory and Sharia board requirements
• Build and lead a high-performing liabilities product and sales team
• Collaborate with Marketing, Digital, and Branch/Distribution teams to drive product penetration and customer acquisition
• Monitor competitive landscape and market trends to inform product and pricing decisions
• Report on portfolio performance, growth metrics, and P&L to senior leadership

Must-Haves

• 12+ years of banking experience, with 7+ years in a senior leadership role in consumer liabilities, deposits, or investments
• Strong track record in CASA growth and optimisation
• Solid understanding of ALM principles and cost of funds management
• Experience with Sharia-compliant deposit structures
• Demonstrated ownership of a liabilities P&L
• Strong product strategy and pricing capability

Nice-to-Haves

• Experience with bancassurance or investment product distribution
• Exposure to digital deposit/investment platforms
• Regional GCC banking experience

Why Join Us
Join a high-impact leadership role shaping the liabilities strategy for a major banking client, with direct P&L ownership and the opportunity to drive meaningful growth in a competitive market.

Disclaimer
This job description is intended to convey information essential to understanding the scope of the role and is not exhaustive. Responsibilities and requirements may evolve based on business needs.