Director, Head of Balance Sheet & Capital Management

ING Hubs Romania•New York, NY

1d•$216,000 - $273,000•Hybrid

About The Position

The Head of Balance Sheet and Capital Management (BS&CM) is responsible for the strategic oversight of the firm’s capital, liquidity, and funding positions. This role shapes the balance sheet to support sustainable business growth while ensuring rigorous compliance with regulatory requirements. The Director partners closely with senior leaders across Treasury, Risk, Finance, and global Group Treasury to maintain a resilient, efficient, and forward‑looking capital and funding framework.

Requirements

10+ years of experience in banking, treasury, and the broader financial services industry.
Demonstrated leadership skills with a strong track record, either through direct team management or leading significant projects.
Proven ability to drive projects and assignments across multiple departments, functions, and regions.
Solid knowledge of monitoring and assessing funding and liquidity risks.
Ability to translate complex balance sheet topics into senior-level recommendations.
Strong understanding of US regulations related to liquidity risk and balance sheet management.
Strong analytical capabilities.
Excellent communication skills.
Resilient and effective under pressure, including tight deadlines and the management of substantial financial risks.
Solution‑ and service‑oriented mindset when interacting with internal and external stakeholders.
High level of drive and motivation to achieve results.
Proactive, entrepreneurial mindset with a strong sense of initiative.

Responsibilities

Leading and developing a high‑performing BS&CM team, fostering analytical excellence and cross‑functional collaboration.
Preparing comprehensive balance sheet and capital insights to support ALCO, senior management and global Treasury stakeholders.
Owning and maintaining the ING’s balance sheet steering frameworks, including Funds Transfer Pricing (FTP) and related charging and allocation mechanisms.
Providing guidance and setting parameters for the use of Funding & Liquidity resources within the Dynamic Planning process, as well as coordinating the semi‑annual Funding Plan.
Leading and continuously enhancing the annual ILAAP and ICAAP cycles as part of the broader ICLAAP process, and drafting the regular Liquidity and Capital Adequacy Statements.
Monitoring positions and P&L within BS&CM‑owned portfolios (including FTP, Capital and Contingent Liquidity books).
Tracking and interpreting developments in financial markets, rating agencies, central bank policy, regulatory changes, and other factors that impact the ING’s scarce funding resources (e.g., bank tax, IFRS changes, NSFR requirements).
Acting as a key point of contact for balance sheet management matters with Head Office Treasury (GT) departments and providing direction to BS&CM team members in the U.S.