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.
Skills Required
- 12+ years of banking experience
- 7+ years in a senior leadership role in consumer liabilities, deposits, or investments
- Strong track record in CASA growth and optimization
- 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
- Experience with bancassurance or investment product distribution
- Exposure to digital deposit or investment platforms
- Regional GCC banking experience
What We Do
A digital transformation company, driven to solve some of the most complex problems in the world today through technology. Our core service portfolio includes staff augmentation, software development and cloud services with over 300+ projects delivered to date. Established in 2014, with a continuously growing team of 250+ experts, operating across 3 regions with Americas, Middle East, and Southeast Asia, CodeNinja is one of the fastest growing technology companies recognized by Forbes Technology Council. With value addition being a core focus for the company, CodeNinja ranks as one of the top and best reviewed software development and services company. Now offering enterprise cloud solutions to some of the leading technology companies in the world, the company has secured funding of $1.6M and is poised to invest in redefining workplace dynamics through use of advanced AI. CodeNinja has earned the trust of more than 240 clients spread across 15 different countries and 9 different industries. The company is also one of the top-rated outsourcing services provider in Pakistan, forming dedicated technology teams for some of the world's leading organizations like Microsoft, Lifeforce (Tony Robbins) and OTL alongside unicorns such as 24Seven, ABHI, and Graana. In addition, to ensure quality and commitment to client data security, the company is now ISO 270001 certified. Services: · Offshore Engineering Teams · Custom Software Development · Dedicated Development Center · Application Modernizations · Cloud Services and Solutions · Modern Workplace Solutions · Digital Transformation Strategy · AI Consulting · AR/VR and Digital Twins · eCommerce Solutions Awards and Achievements: Top 1000 Companies Clutch Global 2023 Top Company in .Net Developers 2023 Clutch Global Fall 2023 Certifications & Partnerships: Adobe Commerce Cloud Solution Partner Microsoft Solution partner for business applications. Microsoft Solution Partner for Azure Data and AI.
