In this insightful episode of The Risk Management Show, we’re joined by Nidhi Singh, Director of Americas Treasury Risk at UBS, NYC. With over 12 years of experience in quantitative risk modeling and reporting to the Board and Risk Committees, Nidhi shares her expertise on navigating the evolving landscape of liquidity risk in a challenging economic environment.
Our conversation centers around the implications of continuing Federal Reserve rate cuts, exploring their effects on funding rates, financial institutions, and broader market dynamics. We also dive into practical strategies for risk managers, regulatory insights, and lessons learned from recent crises, such as the SVB collapse.
Key Topics Discussed:
Career Path Insights: Nidhi shares her journey into risk management and her current role at UBS. Fed Rate Cuts and Liquidity Management: How should companies rethink their liquidity practices? Are smaller banks at greater risk in a low-rate environment?
Challenges for Risk Managers: Priorities to adopt in response to declining funding rates. Strategic Adjustments: Ways financial institutions can mitigate liquidity risks and optimize decision-making in this environment.
Investor Decision-Making: How liquidity risk shapes long-term investment strategies. Regulatory Oversight: The role of regulators in addressing liquidity challenges.
Post-SVB Crisis Adjustments: Lessons learned from the 2023 regional bank crisis. Measures taken by the Federal Reserve to strengthen the system. Adoption of new tools and techniques for balance sheet management. Economic Uncertainty: The impact of rate cuts on the cost of capital for businesses and consumers.
Common Misconceptions: Nidhi debunks a major myth in the liquidity risk space.
Key Takeaways: Practical steps for companies and risk managers to adapt to a low-interest-rate landscape. Insights on how regulatory bodies and institutions can work together to stabilize liquidity. Reflections on past crises to inform future strategies.
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