The Goldman Sachs Group, Inc

Transaction Banking, Liquidity Portfolio Management, Vice President

The Goldman Sachs Group, Inc • $170K — $200K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 6-10+ years of experience in Transaction Banking or Corporate Treasury
  • Deep understanding of deposit mechanics and DDA structures
  • Proficiency in managing large datasets for pricing sensitivity analysis
  • Strong interpersonal skills for effective communication with senior management

Responsibilities

  • Manage end-to-end pricing for Demand Deposit Accounts and Term solutions
  • Evaluate deposit request yields for financial performance impact
  • Collaborate with Coverage teams to support high-value client acquisitions
  • Lead performance reviews on balance sheet metrics with Corporate Treasury
  • Assess deposit compositions in relation to regulatory ratios
  • Conduct research on global interest rates and competitor pricing
  • Monitor pricing exceptions and prepare reports for senior leadership

Benefits

  • Comprehensive health and wellness programs
  • Professional development opportunities
  • Flexible work environment
  • Access to cutting-edge technology and data tools
Full Job Description
Job Description

TRANSACTION BANKING

Team Overview

The Liquidity Portfolio team within Transaction Banking is responsible for the growth, pricing strategy, and balance sheet performance of our corporate deposit portfolio. Operating at the intersection of sales, product, and corporate treasury, the team plays a critical role in managing the bank's funding mix, optimizing Net Interest Margin (NIM), and maximizing deposit profitability within a strict risk and regulatory framework.

Position Overview

We are seeking an experienced, strategic, and commercially minded Vice President to join our Liquidity Portfolio team. In this role, you will lead deposit and cash management pricing, manage the commercial health of our portfolio, and ensure close alignment with firmwide funding objectives.

You will act as a key bridge between client-facing Coverage teams, Corporate Treasury, and the Liquidity Product team. Your responsibilities will span active trade-level pricing across Demand Deposit Accounts (DDA) and Term solutions, strategic performance tracking of Transaction Banking (TxB) liabilities, and cross-functional market assessment to refine our suite of cash management offerings.

Key Responsibilities

1. Deposit Pricing & Commercial Execution
  • Deal-Level Pricing & Structuring: Own and manage the end-to-end pricing requests from Client Coverage, establishing competitive and risk-adjusted pricing frameworks across Demand Deposit Accounts (DDAs), fixed/floating Term Deposits, and Notice solutions.
  • Marginal Trade Evaluation: Analyze deposit request yields to ensure client opportunities are accretive to TxB's financial performance and margin goals.
  • Sales Enablement: Partner closely with Coverage to support high-value client acquisitions, offering customized, yield-optimized liquidity solutions.

2. Treasury Coordination & Portfolio Performance
  • Performance Tracking: Work closely with Corporate Treasury, leading periodic performance reviews on TxB balance sheet metrics, liability levels, and margin fluctuations.
  • Assessing key funding attributes such as FTP updates and funding objectives ensuring they result into actionable commercial pricing targets for the front-office Coverage teams.
  • Liquidity Metric Alignment: Evaluate the impact of deposit compositions on key regulatory ratios, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR).

3. Product Strategy & Market Intelligence
  • Market Assessment: Undertake periodic research into global interest rate environments, competitor deposit pricing, and commercial cash management trends.
  • Product Optimization: Collaborate with the Liquidity Product team to enhance existing features (e.g., notice accounts, sweeps) and support the commercialization of new cash management solutions.
  • P&L Monitoring: Evaluate product adoption rates and client behaviors to identify areas for balance sheet optimization or product enhancement.

4. Risk Management & Governance
  • Exception & Limit Monitoring: Manage pricing exception queues, ensuring deviations from base rates adhere to established corporate governance structures and risk limits.
  • Stakeholder Reporting: Prepare polished reporting and presentation materials detailing portfolio performance and liability concentrations for senior leadership and risk committees.


Basic Qualifications
  • Experience: 6-10+ years of relevant experience in Transaction Banking, Corporate Treasury, Liquidity Product Management, or Cash Management.
  • Technical Domain Knowledge: Deep understanding of deposit mechanics, DDA structure, fixed/floating rate curve dynamics, and cash concentration solutions.
  • Analytical Capability: Proven experience managing large datasets to model pricing sensitivities and generate strategic portfolio insights.
  • Communication & Collaboration: Strong interpersonal skills with an ability to communicate complex balance sheet and liquidity topics clearly to senior management.


Preferred Qualifications
  • Strong knowledge of bank balance sheet dynamics, funds transfer pricing (FTP), and regulatory frameworks (e.g., Basel III, Regulation D).
  • Prior experience working inside a fast-paced Transaction Banking environment.
  • Competency with business intelligence and data visualization platforms (e.g., Reuters, Salesforce,).


About The Goldman Sachs Group, Inc

The Goldman Sachs Group, Inc. provides investment banking, securities, and investment management services, as well as financial services to corporations, financial institutions, governments, and high-net-worth individuals worldwide. Its Investment Banking segment offers financial advisory services, including advisory assignments concerning mergers and acquisitions, divestitures, corporate defense, risk management, and restructurings and spin-offs; and underwriting services comprising public offerings and private placements of a range of securities, loans, and other financial instruments, and derivative transactions. The company’s Institutional Client Services segment provides client execution services, such as fixed income, currency, and commodities client execution related to making markets in interest rate products, credit products, mortgages, currencies, and commodities; and equities related to making markets in equity products, as well as executes and clears institutional client transactions on stock, options, and futures exchanges. This segment also engages in the securities services business providing financing, securities lending, and other brokerage services to institutional clients, including hedge funds, mutual funds, pension funds, and foundations. Its Investing and Lending segment originates longer-term loans; and invests in debt securities, loans, public and private equity securities, real estate, consolidated investment entities, distressed assets, currencies, commodities, and power generation facilities. The company’s investment management segment provides investment products and services, as well as offers wealth advisory services, including portfolio management and financial counseling, and brokerage and other transaction services.

The Goldman Sachs Group, Inc. Careers

Join the prestigious team at The Goldman Sachs Group, Inc., a global leader in finance and investments, and propel your career to new heights. Our firm is renowned for its commitment to excellence, innovation, and leadership in the financial sector.

Work You’ll Do

At Goldman Sachs, you will be part of a dynamic environment that fosters growth, diversity, and professional development. Engage in transformative projects that redefine the landscape of global finance, driven by a culture of high performance and continuous improvement.

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Goldman Sachs is not just a workplace. It is a community where you can build lasting relationships with colleagues and industry leaders. Our networking events, mentorship programs, and professional groups foster connections that can accelerate your career trajectory.

Benefits and Career Development

Invest in your future with Goldman Sachs’ unparalleled employee benefits and career development programs. From comprehensive health benefits to personalized career coaching and leadership training, we ensure that our team is equipped for success, both professionally and personally.

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Embark on a rewarding journey with The Goldman Sachs Group, Inc. where your potential is limitless. Explore positions, read about our company culture, and apply today to become part of a team that values growth, leadership, and innovation.

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Learn more about The Goldman Sachs Group, Inc
Size
45,100 employees
Market Cap
$115.8 billion
Industry
Net Income
$9.4 billion
Founded
1869
5 Year Trend
+11.3%
Revenue
$53.4 billion
NASDAQ

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