Balance Sheet & Capital Strategy Lead - Business Management, Payments

Job Description

This role sits within Trade & Working Capital (T&WC) Business Management (Payments) and is accountable for driving the global portfolio, balance sheet, and business performance agenda across the T&WC lending franchise. Lead partnership with Product leadership and collaborate with Treasury, Risk, Finance, and business stakeholders to deliver actionable insights and balance sheet optimization. Set the global operating rhythm, strengthen governance and controls, and drive strategic execution to optimize profitability, pricing, resilience, and capital/funding efficiency. Lead digital transformation initiatives to automate and elevate portfolio financial processes, enhancing oversight, transparency, and decision-making across the lending portfolio.

You will set and continually elevate the global operating rhythm, strengthening governance and controls while driving disciplined strategic execution to optimize profitability, pricing excellence, resilience, and capital/funding efficiency. In addition, you will champion digital transformation across the lending portfolio—automating and modernizing portfolio financial processes to enhance real-time oversight, transparency, and decision-making, and to create a more scalable, data-driven platform for performance management globally.

Job Responsibilities

• As the Balance Sheet & Capital Strategy Lead in Trade & Working Capital (T&WC) Business Management (Payments), you are accountable for promoting the global portfolio, balance sheet, and business performance agenda across the T&WC lending franchise.
• Develop and execute robust scenario planning and balance sheet frameworks to assess portfolio resilience and support strategic decision-making.
• Build and scale advanced analytics capabilities, leveraging data, automation, and digital tools, to monitor exposures, forecast performance, and deliver actionable insights.
• Lead financial strategy and capital/funding optimization initiatives across the T&WC lending portfolio, with a focus on improving profitability, pricing discipline, and competitive positioning.
• Provide executive-level financial reporting and insight-driven analysis for business reviews, strategy discussions, and (where applicable) regulatory submissions.
• Integrate risk appetite and regulatory requirements (including CCAR and CECL, where applicable), as well as internal/external benchmarking, into financial processes.
• Conduct competitor benchmarking, market trend analysis, and performance assessments to inform business strategy and prioritization.
• Support strategic and execution priorities for portfolio and credit management, focusing on financial optimization and business growth.
• Manage key stakeholder relationships and partner with the Head of Portfolio and Credit to drive aligned execution against priorities.
• Champion digital transformation to automate portfolio reporting and analytics, enhancing oversight, control effectiveness, and management information quality across the franchise.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree required.
• 10+ years of relevant experience in finance, business management, financial analysis, strategy, banking, or related functions.
• Ability to develop product-specific knowledge across the lending suite, with a focus on capital and liquidity requirements.
• Advanced analytics skills, with proficiency in leveraging data for predictive, scenario-based, and actionable insights.
• Strong project management skills and experience leading complex, cross-functional initiatives.
• Excellent attention to detail; strong ownership and follow-through.
• Governance mindset with experience partnering effectively across functions in a matrixed environment.
• Strong written and verbal communication and executive-ready presentation skills; ability to simplify complex topics into clear decisions.
• People leadership experience; ability to manage, coach, and develop a high-performing team and drive collaboration.
• High proficiency in Microsoft Office (Excel, PowerPoint) and relevant analytics tools (e.g., Tableau, Alteryx, Qlik, AI tools).

Preferred Qualifications, Capabilities, and Skills

• Advanced degree preferred
• Familiarity with Trade & Working Capital products / trade finance solutions
• Experience in capital planning, treasury, risk management, and business strategy within a banking environment.
• Ability to adapt quickly to changing business needs and priorities.
• Strong executive presence and stakeholder management capability with senior leadership audiences.

Base Pay/Salary: New York,NY $133,000.00-$210,000.00