Liquidity Product & Relationship Manager

DEPARTMENT DESCRIPTION Global Transaction & Payment Services (GTPS) provides corporate clients, financial institutions, Societe Generale entities and business lines with payment, cash management, liquidity, trade finance and working-capital solutions. The Liquidity Product Manager sits at the intersection of the business, Treasury and Asset and Liability Management (ALM), translating client deposit behavior and transaction flows into actionable liquidity, funding, pricing and product decisions. The role partners closely with DFIN/TRE, DFIN/ALM, Risk, Model Risk Management, Finance, Compliance, Technology, Operations and GTPS Sales. It combines liquidity product ownership, balance-sheet expertise, quantitative analysis, governance and product development, including the assessment of blockchain and tokenized-deposit capabilities for commercial deposit accounts.

ROLE PURPOSE

Own and develop the GTPS liquidity and deposit product framework for the Americas, with a strong focus on Treasury and ALM priorities. The specialist is responsible for optimizing the value, stability and liquidity characteristics of client and intragroup deposits while maintaining an effective risk, control and governance environment and supporting new product innovation.

KEY RESPONSIBILITIES

• Treasury and funding strategy : Act as the principal GTPS partner to Treasury on USD deposit strategy, funding value, liquidity transfer pricing, balance-sheet consumption, deposit pricing, intragroup treatment and the optimization of financial resources.
• ALM and behavioral analysis : Partner with ALM to assess deposit stability, runoff assumptions, tenor and concentration profiles, operational versus non-operational characteristics, and the impact of client payment behavior on liquidity and funding requirements.
• Liquidity risk measurement and monitoring : Lead the identification, measurement, monitoring and escalation of intraday and end-of-day liquidity risk, including peak usage, overdraft and liquidity lines, collection and consumption of liquidity, and relevant management indicators.
• Stress testing and scenario analysis : Provide business data, assumptions and subject-matter expertise for liquidity stress testing and scenario analysis, challenge results where appropriate, and translate outputs into practical actions for pricing, commercialization, limits and client strategy.
• Deposit portfolio and pricing management : Develop analytics for demand deposits, time deposits and other liquidity products; recommend pricing and tenor strategies based on Treasury value, ALM constraints, client behavior, market conditions, risk appetite and commercial objectives.
• Governance, controls and regulatory alignment : Maintain a robust liquidity product governance framework, oversee applicable controls and regulatory requirements, document decisions and assumptions, and coordinate remediation of data, process, model or limit issues with control functions.
• Liquidity models and data ownership : Serve as business owner for relevant GTPS liquidity models and data, including implementation, data-quality controls, performance monitoring, periodic maintenance, validation support and at least annual recalibration where applicable.
• Product development and commercialization : Lead the end-to-end development and enhancement of liquidity and deposit products, from client need and business case through design, governance, pricing, operating model, technology requirements, launch readiness, sales enablement and post-launch performance monitoring.
• Blockchain and digital deposit innovation : Assess blockchain, distributed ledger and tokenized-deposit use cases for deposit accounts, including programmable balances, settlement efficiency, interoperability, ledger design, controls, reconciliation, legal and compliance considerations, and integration with existing cash-management services. Convert viable concepts into governed product roadmaps and pilot proposals.
• Stakeholder leadership and decision support : Produce clear daily, weekly and periodic management analysis; communicate recommendations to senior stakeholders; coordinate cross-functional execution; and support Sales in shaping client behavior, deposit growth and liquidity solutions consistent with Treasury, ALM and GTPS objectives.