Head of Liability

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

Requirements

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.