Liquidity Portfolio Manager, Vice President - Transaction Banking

TRANSACTION BANKING

Our mission is simple: provide a global transaction banking platform that is nimble, secure, and easy for clients use. 

We have delivered a modern, digital-first transaction banking platform to serve GS’ varied client base. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up designed to solve some of the most complex operational needs in the industry. We aim to help our clients achieve Working Capital efficiency gains by optimizing their short term liquidity needs and simplifying their Cash Management operations.  

We do so by delivering a best-in-class digital solution that helps clients manage their liquidity movements, foreign exchange and payments enabling international treasury operations and commerce.  

We’re a team of diverse Treasury and Payments specialists helping our clients solution and build for the future. 

Team Overview

The Liquidity Portfolio team within Transaction Banking is responsible for the growth, pricing strategy, and balance sheet performance of our corporate deposit portfolio. Operating at the intersection of sales, product, and corporate treasury, the team plays a critical role in managing the bank’s funding mix, optimizing Net Interest Margin (NIM), and maximizing deposit profitability within a strict risk and regulatory framework.

Position Overview

We are seeking an experienced, strategic, and commercially minded Vice President to join our Liquidity Portfolio team. In this role, you will lead deposit and cash management pricing, manage the commercial health of our portfolio, and ensure close alignment with firmwide funding objectives.

You will act as a key bridge between client-facing Coverage teams, Corporate Treasury, and the Liquidity Product team. Your responsibilities will span active trade-level pricing across Demand Deposit Accounts (DDA) and Term solutions, strategic performance tracking of Transaction Banking (TxB) liabilities, and cross-functional market assessment to refine our suite of cash management offerings.

Key Responsibilities

1. Deposit Pricing & Commercial Execution

• Deal-Level Pricing & Structuring: Own and manage the end-to-end pricing requests from Client Coverage, establishing competitive and risk-adjusted pricing frameworks across Demand Deposit Accounts (DDAs), fixed/floating Term Deposits, and Notice solutions.
• Marginal Trade Evaluation: Analyze deposit request yields to ensure client opportunities are accretive to TxB's financial performance and margin goals.
• Sales Enablement: Partner closely with Coverage to support high-value client acquisitions, offering customized, yield-optimized liquidity solutions.

2. Treasury Coordination & Portfolio Performance

• Performance Tracking: Work closely with Corporate Treasury, leading periodic performance reviews on TxB balance sheet metrics, liability levels, and margin fluctuations.
• Assessing key funding attributes such as FTP updates and funding objectives ensuring they result into actionable commercial pricing targets for the front-office Coverage teams.
• Liquidity Metric Alignment: Evaluate the impact of deposit compositions on key regulatory ratios, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR).

3. Product Strategy & Market Intelligence

• Market Assessment: Undertake periodic research into global interest rate environments, competitor deposit pricing, and commercial cash management trends.
• Product Optimization: Collaborate with the Liquidity Product team to enhance existing features (e.g., notice accounts, sweeps) and support the commercialization of new cash management solutions.
• P&L Monitoring: Evaluate product adoption rates and client behaviors to identify areas for balance sheet optimization or product enhancement.

4. Risk Management & Governance

• Exception & Limit Monitoring: Manage pricing exception queues, ensuring deviations from base rates adhere to established corporate governance structures and risk limits.
• Stakeholder Reporting: Prepare polished reporting and presentation materials detailing portfolio performance and liability concentrations for senior leadership and risk committees.

Basic Qualifications

• Experience: 6–10+ years of relevant experience in Transaction Banking, Corporate Treasury, Liquidity Product Management, or Cash Management.
• Technical Domain Knowledge: Deep understanding of deposit mechanics, DDA structure, fixed/floating rate curve dynamics, and cash concentration solutions.
• Analytical Capability: Proven experience managing large datasets to model pricing sensitivities and generate strategic portfolio insights.
• Communication & Collaboration: Strong interpersonal skills with an ability to communicate complex balance sheet and liquidity topics clearly to senior management.

Preferred Qualifications

• Strong knowledge of bank balance sheet dynamics, funds transfer pricing (FTP), and regulatory frameworks (e.g., Basel III, Regulation D).
• Prior experience working inside a fast-paced Transaction Banking environment.
• Competency with business intelligence and data visualization platforms (e.g., Reuters, Salesforce,).

About Goldman Sachs

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers .

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https:// www.goldmansachs.com/careers/footer/disability-statement.html

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