Liquidity Modeling & Analysis Consultant

Posted 2 Days Ago
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Boston, MA, USA
Hybrid
91K-119K Annually
Mid level
Big Data • Fintech • Information Technology • Insurance • Financial Services
We help people secure their future and protect the ones they love.
The Role
Develop liquidity forecasting and stress-testing models, improve automation and scenario analysis, assess contingency funding needs, and create liquidity stress playbooks. Evaluate internal liquidity measures against rating agency and regulatory views, conduct peer analysis, and deliver insights to senior leadership. Collaborate with Treasury, Investment Management, Actuarial, Risk Management, FP&A, and Controllership teams.
Summary Generated by Built In
Liquidity Modeling & Analysis Consultant
Liquidity Management | Treasury | Finance
Full-Time
Boston, MA, Springfield, MA, or New York, NY
The Opportunity
As a Liquidity Modeling & Analysis Consultant, you will work in a fast-paced, innovative and collaborative environment focused on providing the company with detailed analytics on liquidity positioning, identifying liquidity risks, and creating playbooks to mitigate them. This individual contributor role will report directly to the Head of Liquidity Modeling & Analysis within MassMutual's Treasury organization and will have the opportunity to:
  • Improve our modeling capabilities from static snapshots to build a dynamic, forward looking forecasting engine capable of navigating the unique complexities of life insurance cash flows
  • Participate in the design of contingent liquidity planning frameworks to codify our response to liquidity stress
  • Collaborate across multiple teams including Investment Management, Actuarial, Enterprise Risk Management, Financial Planning & Analysis, Controllership, and more

The Team
The Liquidity Modeling & Analysis Consultant is a member of the Liquidity Management Team within the Treasury organization, which is a dynamic team of individuals with diverse backgrounds that are focused on:• Monitoring our daily cash and liquidity positioning, forecasting our cash flow needs, and maintaining our bank relationships to raise funding• Designing models to forecast our liquidity risks and developing the funding options and execution strategies required to response to stress events• Achieving a balance of maximizing value for our policyholders while continuing to operate within our liquidity constraints• Serving as a strategic partner to our colleagues in Investment Management, Actuarial, and Enterprise Risk Management
The Impact
Your role within the Liquidity Modeling & Analysis team will contribute to key insights regularly delivered to our senior management on management of key liquidity risks. You will accomplish that through the responsibilities below:
Liquidity Modeling & Stress Testing
  • Improve our liquidity stress testing production process, streamlining the data collection process and improving visibility of results
  • Identify areas for automation in order to increase frequency of production
  • Participate in efforts to review existing assumptions across products and legal entities
  • Expand our stress testing scenario design, and enhance our modeling capabilities to allow for more dynamic scenario modeling
  • Participate in broad finance transformational efforts and adapt our approaches to a changing environment

Contingency Funding Planning
  • Conduct analysis to determine the appropriate sizing of contingency funding options and evaluate the benefit of additional contingency funding sources across legal entities
  • Assist with development of contingency funding playbooks to better define thresholds and procedures during liquidity stress

External Views of Liquidity
  • Evaluate and interpret our liquidity treatment and ratios against external views (Rating agencies, DFS, DOI, NAIC) and compile results to provide insights to senior leadership
  • Reconcile internal liquidity stress testing analyses to external views of liquidity measurement
  • Develop peer analysis to compare our liquidity positioning against our life insurance cohorts

The Minimum Qualifications
  • Bachelor's degree in Economics, Business, Finance, Applied Mathematics, or similar quantitative area of study
  • 3+ Years of progressive experience in any of the following areas: Corporate Treasury, Financial Planning & Analysis (FP&A), Corporate Development / M&A, Management or Risk Consulting, Risk Management, or Quantitative Analysis
  • Experience with financial modeling in Microsoft Excel

The Ideal Qualifications
  • 5+ years of progressive experience in Corporate Treasury, FP&A, or Financial Modeling
  • CFA/FRM or progress towards CFA or FRM
  • Experience from banking or insurance industries
  • Direct experience in liquidity stress testing concepts, including stress testing scenario design, assumption design and review, and contingency funding planning
  • Experience with large, complex financial datasets and translating insights into actionable recommendations for business partners
  • Demonstrated Technical and Data Visualization skillset (e.g., Power BI, Tableau, SQL, Alteryx)
  • Understanding of investments and asset-liability management
  • Understanding of insurance liabilities and familiarity with their associated liquidity risks
  • Strong multi-tasking skills and ability to adapt to change
  • Detail-oriented with demonstrated oral and written communication skills
  • Intellectual curiosity to continue learning and adding breadth and depth to understanding

What to Expect as Part of MassMutual and the Team
  • Regular meetings with the Liquidity Management and broader Treasury teams
  • Focused one-on-one meetings with your manager
  • Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
  • Access to learning content on Degreed and other informational platforms
  • Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

#LI-TB1
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
Salary Range: $90,500-$118,700

Skills Required

  • Bachelor's degree in Economics, Business, Finance, Applied Mathematics, or a similar quantitative field
  • 3 or more years of progressive experience in Corporate Treasury, FP&A, Corporate Development or M&A, Management or Risk Consulting, Risk Management, or Quantitative Analysis
  • Experience with financial modeling in Microsoft Excel
  • 5 or more years of progressive experience in Corporate Treasury, FP&A, or Financial Modeling
  • CFA or FRM certification, or progress toward CFA or FRM
  • Experience in banking or insurance industries
  • Direct experience with liquidity stress testing, scenario design, assumption review, and contingency funding planning
  • Experience with large, complex financial datasets and translating insights into actionable recommendations
  • Technical and data visualization experience with tools such as Power BI, Tableau, SQL, or Alteryx
  • Understanding of investments and asset-liability management
  • Understanding of insurance liabilities and associated liquidity risks
  • Strong multitasking skills and adaptability
  • Detail-oriented with strong oral and written communication skills
  • Intellectual curiosity and willingness to continue learning

What the Team is Saying

MassMutual Compensation & Benefits Highlights

How does MassMutual ensure its pay and bonus plans are competitive?

MassMutual provides market-competitive salaries and generous incentive pay opportunities for all employees. Whether an employee is just starting out, transitioning to a new career, or joining us as a seasoned leader — we value their contributions.

  • Competitive Salary and Bonus offerings: MassMutual’s base salaries reward and recognize employees’ experience, skills and performance. Our salary ranges are regularly benchmarked within our industry and the broader job market to ensure competitiveness. Additionally, all MassMutual employees have the opportunity to receive competitive, performance-based bonuses, either annually or more frequently.
     
  • Annual Incentive Plan (AIP): AIP awards are discretionary and based on individual and company performance, with opportunities to earn above-target bonuses in years with exceptional results. These awards consider not only what results a person achieved, but how they achieved them, rewarding behaviors that help create a productive and welcoming work environment for everyone. 
     
    • Employees in sales roles participate in our variable incentive compensation (VIC) program instead of AIP. VIC provides incentive pay awards commensurate with results for individuals in roles that directly influence sales. 
       
  • Pay transparency and pay equity: MassMutual publishes salary ranges in job postings and is committed to promoting pay equity. This includes providing pay equity training to managers, reviewing the pay of employees who perform similar work as a standard practice when making compensation recommendations, and partnering regularly with independent external experts to check our work.
     
  • Benefits as part of Total Rewards: MassMutual invests in every aspect of their employees’ well-being, providing a rewards package that goes far beyond a paycheck to support them physically, mentally, and financially. Their robust healthcare, retirement and protection benefits provide a range of support through all of life’s big moments — and, over the years, they have expanded their pioneering leave programs so employees can better care for themselves and the people they love.
     
  • Health benefits: MassMutual offers a comprehensive suite of health and wellness benefits, focusing on solutions that support holistic well-being, aimed at improving access and outcomes for all, and provide flexibility to meet our employees’ and their families’ unique needs. Employees value our wide array of benefits, with one sales assistant citing “great benefits and lots of flexibility,” and another employee describing the company’s “good leadership and benefits.” (MassMutual Careers Benefits; Glassdoor). In a 2026 employee survey, one employee noted “The organization offers a wide range of programs and benefits that meaningfully support employees and foster a positive, inclusive culture.”
     
  • Retirement and financial benefits: MassMutual provides a 401(k) plan contribution of up to 10% of eligible compensation, including up to 5% company match on employee deferrals and, for all eligible employees, a 5% annual company contribution. The company also treats eligible student loan payments like 401(k) contributions for matching purposes. The company provides a Retiree Health Reimbursement Account to eligible employees; monthly credits start at age 45. (MassMutual Careers Benefits; MassMutual 2025 Annual Report)
     
  • Additional health programs: MassMutual offers additional benefits such as a health savings account, access to a broad network of mental health resources and providers for employees and their family members, and resources like medical and surgery decision support, healthcare navigation services, and more. All employees also have access to a Well-Being Wallet, where they can be reimbursed for up to $1,250 per year for eligible physical, mental, or financial wellness related expenses.  
     
  • Other benefits: Employees have access to an array of resources to help strengthen their overall well-being and protect the ones they love, at every stage of life. Whether growing their family, volunteering in their community, planning their legacy, or looking to save on everyday expenses like pet or auto insurance, we offer financial benefits and corporate discounts to help.
     
  • Employee Feedback on Benefits: MassMutual conducts regular employee surveys, and benefits continuously receive positive feedback. In their 2026 survey, one employee said “...the total benefits program here at MassMutual has to be one of the best, if not the very best. It seems this company goes out of its way to make sure their employees are well taken care of." With another employee sharing “The Well-Being Wallet, education reimbursement, time off & leave programs are top notch and unlike anything I've experienced”.
     
  • Time off & leaves: MassMutual’s flexible time-off and leave programs support employees’ well-being, help them care for loved ones, and balance personal priorities. Offerings include inclusive caregiver, bereavement, and other essential leaves; generous parental leave and financial support for adoption and surrogacy; up to 24 hours of paid volunteer time annually; and generous vacation, flexible holidays, companywide paid holidays and remote work weeks, and five “take care days.” 
     
  • External signals:
    • Benefits value: Employees on external review sites regularly highlight benefits as a strength, with reviews calling out “excellent benefits,” “great benefits” and a “great benefits package.” (Glassdoor; Indeed)
    • Benefits and retention: Employees surveyed on external review sites rate MassMutual’s perks and benefits an A-, with 100% saying perks and benefits play a role in staying at the company. (Comparably)

Bottom line: MassMutual supports employee wellbeing through competitive  salaries and bonus opportunities, strong retirement contributions, and benefits designed to support the financial, physical, and mental well-being of employees and their families.

 

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The Company
HQ: Springfield, MA
6,000 Employees
Year Founded: 1851

What We Do

Since 1851, MassMutual’s commitment has always been to help people protect their families, support their communities, and help one another. This is why we want to inspire people to Live Mutual. We’re people helping people. Together, we’re stronger.

Why Work With Us

MassMutual has the financial security and stability of a 170+ year old company, with the culture and energy of a startup. We work every day with the customer front of mind to build the best digital experience in the industry.

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MassMutual Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

We believe in capitalizing on the best of being together in our offices as well as personal flexibility. Our workplace philosophy puts office collaboration first, combined with flexibility to work remotely.

Typical time on-site: 3 days a week
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HQSpringfield, MA
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Boston, MA
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New York, NY
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