Corporate Deposits Pricing Lead | Deposits & Cash Management - Executive Director
About The Position
The Corporate Deposits Pricing Lead is a senior leadership role responsible for pricing strategy and deposit economics for Morgan Stanley’s corporate deposit business. The role owns the pricing framework, rate governance, and profitability analysis, and partners with Treasury, Finance, Liquidity Risk, Sales, and Product to grow balances in line with funding, margin, and net interest income objectives. As Executive Director, the position serves as the senior voice on deposit pricing and economics. It sets pricing policy, advises senior management on balance-sheet trade-offs, and builds a scalable pricing capability as the business adds products, client segments, and markets. The role also leads a pricing and deposit analytics team and ensures pricing processes, models, and exceptions are controlled, documented, and aligned with model risk, regulatory, and Firm requirements.
Requirements
- 15+ years of experience in deposit pricing, treasury, asset-liability management, balance-sheet management, or corporate and commercial deposit product management.
- Deep expertise in deposit economics, funds transfer pricing, liquidity (including ILST and LCR treatment), and interest-rate dynamics.
- 5+ years of people leadership experience.
- Proven track record of setting pricing strategy and governance at a bank.
- Experience presenting to and influencing senior management, ALCO, or similar committees.
- Bachelor’s degree in Finance, Economics, Mathematics, or a related field.
- Strong quantitative and analytical skills.
- Sound judgment in balancing growth, profitability, and risk.
- Ability to influence stakeholders across Treasury, Finance, Sales, Product, Risk, and Technology.
- Clear, concise communication skills and ability to translate complex economics for senior audiences.
- Comfort building a new capability in a fast-moving, ambiguous environment.
Nice To Haves
- MBA, CFA, or an advanced degree.
- Experience with corporate or institutional deposits at a large bank.
- Familiarity with treasury and pricing systems.
- People leadership experience leading pricing or analytics teams.
Responsibilities
- Set the pricing strategy and framework for corporate overnight and term deposits, including standard rates, tiering, index-based pricing, and exception pricing.
- Own rate governance, including approval authorities, exception-pricing processes, rate-change protocols, and documentation.
- Lead rate-setting forums and recommend rate actions in response to market moves, competitor activity, and funding needs.
- Benchmark pricing and product structures against peer banks and use findings to shape positioning.
- Partner with Treasury and Finance on funds transfer pricing methodology, ILST and liquidity treatment, and the value of corporate deposits relative to other funding sources.
- Build and maintain profitability models covering net interest income, margin, deposit betas, behavioral assumptions, and client-level economics.
- Advise senior management on trade-offs between balance growth, cost of funds, and margin.
- Support budgeting, forecasting, and business case development for new products and initiatives.
- Provide pricing support to Sales, Client Service, and Relationship Managers, including deal-level support for large or strategic client opportunities.
- Equip the sales force with pricing guidelines, tools, and approval paths.
- Shape pricing and fee structures for future capabilities, such as escrow, 1031 exchange, sub-accounting, and international deposits.
- Build and lead a pricing and deposit analytics team, including hiring, development, and performance management.
- Foster a culture of analytical rigor, accountability, and commercial focus.
- Ensure pricing processes, models, and exceptions are controlled, documented, and aligned with model risk, regulatory, and Firm requirements.
- Partner with Deposit Operations and Technology to ensure pricing is set up and applied correctly in core systems.
- Report pricing performance, balance trends, and profitability to senior management and governance forums.
Benefits
- Comprehensive employee benefits and perks.
- Potential commission earnings, incentive compensation, discretionary bonuses, and other short- and long-term incentive packages, depending on the position.
- Morgan Stanley-sponsored benefit programs.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Director
