Vice President - Capital and Liquidity Planning

As the Vice President - Capital and Liquidity Planning at Mitsubishi UFJ Financial Group, you'll be responsible for monitoring and managing both capital and liquidity risk profiles. Your key duties include leading the Individual Capital Adequacy Assessment Process (ICAAP), advising on capital usage, developing the firm’s capital plan, and assisting in the writing of the Individual Liquidity Adequacy Assessment Process (ILAAP). You'll work closely with Front Office employees to ensure effective liquidity management, ensuring compliance with industry regulations.

To qualify for the Vice President - Capital and Liquidity Planning role at MUFG, candidates should have several years of experience in regulatory capital and liquidity management within a financial firm. Essential skills include a solid understanding of the PRA regulatory environment, as well as knowledge of capital risk management. While not mandatory, experience in writing ILAAP or ICAAP documents will give candidates an advantage. A willingness to pursue relevant professional qualifications is also preferred.

At Mitsubishi UFJ Financial Group, the work environment for the Vice President - Capital and Liquidity Planning is dynamic and collaborative. With a hybrid working policy that promotes a healthy work-life balance, employees typically work in the office three days a week, offering flexibility for remote work arrangements. The culture emphasizes inclusion, diversity, and the value of every team member's contributions.

MUFG is committed to professional development and encourages Vice Presidents in Capital and Liquidity Planning to pursue continuous learning opportunities. This includes support for gaining relevant professional qualifications and access to training programs that enhance technical skills and industry knowledge. The organization values innovation and invests in the tools and resources that empower employees to grow within their roles.

Career advancement opportunities at Mitsubishi UFJ Financial Group for the Vice President - Capital and Liquidity Planning are robust, as the company values talent and promotes from within. Employees are encouraged to take on new challenges and leadership roles across departments, providing ample opportunities for professional growth and development in the financial services industry.

When answering this question, focus on specific instances in your career where you've successfully implemented regulatory capital management strategies or handled liquidity risk challenges. Discuss the frameworks you used, the tools for compliance, and any measurable outcomes you've achieved to illustrate your effectiveness.

In your response, outline your method for coordinating the ICAAP, including how you gather data, engage stakeholders, and ensure that all regulatory requirements are met. Providing examples of past experiences will illustrate your expertise and highlight your ability to strategize under pressure.

Discuss your strategies for capital optimization, such as analyzing capital structure, assessing risks, and suggesting alternative capital allocation techniques. Highlight previous successes in capital optimization projects and how you collaborate with other departments to achieve overall financial health.

Detail the tools and key performance indicators (KPIs) you utilize to monitor liquidity risk, such as liquidity ratios, scenario testing, and stress testing. Mention your experience working with business units to assess funding needs and demonstrate how your proactive approach mitigates risks.

If you have direct experience, explain your role in the writing process, who you collaborated with, and the structure you followed. If you haven't written these documents, showcase your understanding of their importance, regulatory expectations, and how you've prepared data and reports that contribute to their development.

Share a specific example of a liquidity challenge, outlining the context, your analysis, and the actions you took to resolve the issue. Emphasize your problem-solving skills and the importance of collaboration with other teams in your solution.

Discuss your methods for maintaining current knowledge of regulations, such as attending seminars, subscribing to industry publications, and participating in professional networks. Highlight how this has buoyed your strategies in capital and liquidity planning.

Offer insights based on your experiences and observations about current industry trends or regulatory pressures. Demonstrate your critical thinking capability and willingness to address potential risks proactively.

Emphasize examples where you have worked alongside Front Office teams, explaining how you've provided liquidity risk advice or supported funding strategies. This showcases your teamwork and communication abilities.

Mention the specific tools and technology you've used in your planning and reporting processes, such as spreadsheets, financial modeling software, or regulatory compliance tools. Discuss how you've leveraged these tools to improve workflow and ensure accuracy.