Arq
Head of ALM
São Paulo, Remote. Posted 5 days ago
The role
The Head of Asset & Liability Management will oversee how ARQ funds, invests, and safeguards a multi-currency balance sheet. You will build the ALM framework, risk policies, and governance committees from the ground up across approximately 10 regulatory licenses.
What you will do
- Build daily liquidity forecasting across currencies and entities
- Set buffers per partner and rail, run stress tests, and own the contingency funding plan
- Measure and manage open currency positions and set limits
- Run hedging where it makes sense
- Design how to invest customer and corporate balances and model rate sensitivity
- Design the funding structure for credit card and lending products
- Set concentration limits and monitor exposure to banks, custodians, stablecoin issuers and payment partners
- Write the ALM policy and risk appetite
- Run Asset-Liability Committee (ALCO) and report to leadership and the board
- Ensure safeguarding, reserve and liquidity requirements are met in every market
Required qualifications
- 8+ years in ALM, treasury or balance-sheet risk at a bank, neobank, broker or fintech, including time leading the function or a core part of it
- Deep hands-on knowledge of liquidity risk (LCR/NSFR-style metrics, stress testing, contingency funding), FX risk and interest-rate risk in the banking book
- Experience managing a multi-currency balance sheet across more than one country and regulator
- Strong quantitative and modelling skills: you can build the model yourself in SQL, Python or Excel
- Experience setting up or running an ALCO and presenting to executives and boards
- Fluent English
Nice to have
- Spanish or Portuguese is a strong plus
- Experience in Latin American markets (Mexico, Argentina, Brazil, Colombia), including capital controls and high-inflation environments
- Familiarity with stablecoins, digital-asset custody or tokenized money-market funds
- Experience launching deposit or yield products, or funding a consumer credit book
- Background building treasury data pipelines or working closely with engineering teams
Benefits
- Competitive salary
- Sign-on stock options bonus
- Discretionary performance bonus (stock options)
- Paid annual leave
- Private health insurance
- Latest technology to work with
- Strong team that will help you improve your skills
About the company
ARQ is a fast-growing fintech building infrastructure to move value seamlessly across borders. The company aims to redefine how people interact with money globally.