Job Description

End Date

Tuesday 02 December 2025

Salary Range

87,552 - 97,280

We support flexible working - click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Summary

.

JOB TITLE:

Associate Director, Liquidity

SALARY:

Competitive package

LOCATION:

London

HOURS:

Full-time

WORKING PATTERN:

Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

About this opportunity

Client Services Group (CSG) focuses on the financial needs of large corporate clients within Corporate & Institutional Banking division. Our purpose-led, disciplined growth strategy builds on our expertise in transaction banking, debt financing and risk management.


You'll work within Balance Sheet Management (BSM) function in CSG leading and contributing to the delivery and implementation of CSG's funding and liquidity objectives. This includes shaping, developing, driving and embedding analytical tools and providing insights to coverage and product areas as well as into specialist functions in Risk, Finance and/or Treasury (where appropriate).

Responsibilities of the role include:

Interpret regulatory requirements and translate them into actionable strategies for liquidity optimisation, ensuring alignment with LCR and NSFR standards Assess current liquidity interpretation frameworks, highlight gaps, and recommend improvements to processes, systems, and controls within the assigned area. Collaborate with Coverage and Origination teams to leverage liquidity metrics and insights, driving efficiency and optimising funding structures. Actively use latest AI tools to drive cutting edge data insights and analytics to support product proposition and growth Develop and tailor communication materials for diverse audiences, ensuring clarity and relevance in tone and content. Invest in personal development and actively support team capability growth through coaching, mentoring, and specialised training in liquidity risk and regulatory compliance. Conduct research and analyse primary data sources to identify emerging liquidity regulatory trends and inform strategic decisions. Apply technical and professional expertise to resolve complex liquidity-related issues and deliver optimal solutions. Manage budgetary responsibilities for the function and perform detailed analysis of financial performance, ensuring adherence to established frameworks. Work collaboratively with GCT, Risk and other stakeholders to deliver the overall liquidity plan for CIB and CB businesses.

About us

If you think all banks are the same, you'd be wrong. We're an innovative, fast-changing business that's shaping finance as a force for good. A bank that's empowering its people to innovate, explore possibilities and grow with purpose.

What you'll need

Specialist Knowledge

- Uses LCR / NSFR and other regulatory and corporate industry knowledge along with all available digital tools to deliver excellent client experiences whilst identifying ways to grow income, balance sheet and market share and handling associated risks.

People

- Have a Growth mindset and be keen to adopt and use key tools that enhance the client experience.

Environmental Awareness

- Promotes the bank's image through strong ethics & integrity across a range of clients & prospects.

Customer

- able to lead the customer relationship to understand their needs and translate sophisticated business requirements into a clear product line plan, ensuring its effective delivery to client needs and resultant business for the bank.

Collaboration

- a strong teammate willing to take the broader view for the benefit of the wider team, considering the needs of all partners.

Influencing

- ability to influence across LBG Group leadership teams as appropriate. Needs to influence at all levels of the Bank and likely to be required to lead partners up to and including MD level.

Risk Management & Control

- able to identify, assess, monitor, control and mitigate risks across the business.

Regulatory

- awareness & understanding of the regulatory framework in which the business operates, and the regulatory requirements and expectations relevant to the role.

FCA's statutory objectives

, approach to regulation and principles for business and five conduct questions.

Understanding

of the Group & CIB risk appetite.

Governance, oversight, and controls

- the ability to assess the efficiency of the firm's arrangements to deliver effective performance in the business.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we're committed to creating an environment in which everyone can thrive, learn and develop.


We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.


We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident


Scheme.


We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.


We also offer a wide-ranging benefits package, which includes:


A generous pension contribution of up to 15% An annual performance-related bonus Share schemes including free shares Benefits you can adapt to your lifestyle, such as discounted shopping 30 days' holiday, with bank holidays on top A range of wellbeing initiatives and generous parental leave policies
If you're excited by the thought of becoming part of our team, get in touch.


We'd love to hear from you!

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.