# Head of Liabilities

> CodeNinja · Riyadh, Saudi Arabia · — · Posted 2026-08-19

**Workplace:** on_site

**Department:** Professional Services

## Description

**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.

## Apply

[Apply at CodeNinja](https://apply.workable.com/codeninjapk/j/D1DB985597/apply)

---
Powered by [Workable](https://www.workable.com)