Asset Liability Management (ALM) Analyst

Team Member - ALM Analytics

About Business:

Adani Group: In recent years, we have evolved from a new player in power generation to India’s largest private thermal power producer, with a capacity of 15,250 MW and a 40 MW solar project in Gujarat. It has created a world-class logistics and utility infrastructure portfolio that has a pan-India presence. Adani Group is headquartered in Ahmedabad, in the state of Gujarat, India. Over the years, Adani Group has positioned itself to be the market leader in its logistics and energy businesses focusing on large-scale infrastructure development in India with O & M practices benchmarked to global standards. With four IG-rated businesses, it is the only Infrastructure Investment Grade issuer in India.

Job Purpose: The primary responsibility of the Team Member - ALM Analytics is to support Asset-Liability Management (ALM) activities by analyzing financial risks, ensuring liquidity management, and maintaining regulatory compliance. This role involves assessing mismatches between assets and liabilities, monitoring cash reserves, and optimizing the bank's investment portfolio while adhering to global financial regulations such as Basel III, Solvency II, and IFRS 9.

Team Member - ALM Analytics

Asset & Liability Analysis:

Analyze loans, investments, cash reserves, securities, and real estate holdings to assess risk and returns.

Monitor and mitigate asset-liability mismatches that may impact financial stability.

Support strategic decision-making related to investment allocation and borrowing strategies.

Risk Management & Compliance:

Identify and evaluate liquidity and interest rate risks within the balance sheet.

Ensure compliance with financial regulations, including Basel III, Solvency II, and IFRS 9.

Assist in stress testing and scenario analysis to assess financial resilience.

Liquidity & Funding Strategy:

Ensure sufficient cash reserves and liquid assets to meet short-term obligations.

Assist in managing deposits, borrowings, and bonds to optimize liquidity and funding costs.

Develop and refine ALM models and frameworks to improve financial planning.

Stakeholder Collaboration & Reporting:

Work closely with Finance, Risk, Treasury, and Investment teams to align ALM strategies.

Prepare and present ALM reports for senior management, auditors, and regulators.

Support external stakeholders such as regulatory authorities and rating agencies with ALM insights.

Key Stakeholders - Internal

Finance & Accounting Team

Investment & Strategy Team

Regulatory Compliance Team

Key Stakeholders - External

Regulatory Authorities (e.g., RBI, Basel Committee, IFRS Board)

Auditors & Rating Agencies

Banking & Financial Institutions

 

Educational Qualification:

Bachelor's/Master’s degree in Finance, Accounting, Economics, Risk Management, or a related field.

Work Experience (Range of years):

2-5 years of experience in ALM, Risk Management, Treasury, or Financial Analytics in banking, NBFCs, or financial services.

Experience Level

Mid Level