Investments & Debt - Jobs & Desired Outcomes¶
Generated from .jobs.json — do not edit directly.
Confirmed Outcomes¶
Corroborated by 2+ sources
Job: See total liquidity position including invested cash alongside operational cash¶
| Desired Outcome | Status | Solved By |
|---|---|---|
| Reduce effort to distinguish operational cash from invested cash | ✅ Solved | Investments Visibility, Forecast Creation & Modelling |
| Minimize confusion about total available liquidity | ✅ Solved | Investments Visibility, Forecast Creation & Modelling |
| Increase visibility into cash + cash equivalents in one view | ✅ Solved | Investments Visibility, Forecast Creation & Modelling |
| Reduce confusion about how much cash is immediately accessible vs locked in investments | ✅ Solved | Investments Visibility, Forecast Creation & Modelling |
Sources: - Palm Internal (2025-12-02) - "You want that one view of we as a company do have this money" - Personio (2026-01-28) - "It's really good to have in a unique view all the different levels of cash" / Split between cash and investments validated - ON (2026-01-28) - "Looks very good. It's really good to have in a unique view all the different levels of cash." - ON (2026-02-18) - Investments dashboard demo with metrics (active investments, weighted avg rate, counterparty spread, maturities). Rodrigo ready to decommission manual spreadsheet. - Jennifer (demo), Rodrigo (validation)
Job: Make informed investment decisions with confidence about cash availability¶
| Desired Outcome | Status | Solved By |
|---|---|---|
| Reduce uncertainty when deciding how long to lock cash in investments based on forward cash needs | 🔶 Partial | Investments Visibility |
| Increase the visibility of when invested cash becomes available | 🔶 Partial | Investments Visibility |
| Reduce the frequency of overly conservative investment decisions due to lack of data | 🔶 Partial | Investments Visibility |
| Minimize the time spent manually tracking investment maturities | 🔶 Partial | Investments Visibility |
| Minimize the uncertainty around future cash availability from maturing deposits | 🔶 Partial | Investments Visibility, Forecast Creation & Modelling |
| Increase visibility into the gap between total cash and available (liquid) cash | 🔶 Partial | Investments Visibility, Forecast Creation & Modelling |
Gaps: Investment forecasts now auto-generated and visible on Forecast Overview. Remaining: no deposit maturity → cash availability view, no "available for investment" calculation.
Sources: - Personio (2026-01-28) - "Taking those decisions from guesswork and overly conservative decisions to actually making more informed decisions with comfort and confidence" - Palm Internal (2025-12-02) - Forward visibility enables longer investment horizons - Personio (2025-10-21) - "If we have that the cash balance, then the forecasting piece linked to each bank account... if we do have a maturity, that you actually see that cash flow showing as a forecast value there as well."
Job: Track investments (term deposits) and manage maturities/rollovers¶
| Desired Outcome | Status | Solved By |
|---|---|---|
| Minimize the time spent manually entering investment data in Google Sheets | 🔶 Partial | Investments Visibility |
| Reduce the risk of forgetting a maturity date and accidentally rolling over | 🔶 Partial | Investments Visibility |
| Increase visibility into total investment position across counterparties | 🔶 Partial | Investments Visibility |
Gaps: Credit rating monitoring not included.
Sources: - Personio (2025-10-21) - "The upkeep of this sheet is quite manual" / Tracks term deposits, MMFs with rates, maturities - ON (2024-09-26) - "This tracking is a huge pain actually. I never had a great tool for this" - Amanda; manual Google Sheets, calendar reminders - ON (2026-02-18) - Dashboard nearly ready to replace manual sheet. Self-serve reporting now includes investment data. - Jennifer
Job: Auto-generate investment forecast impacts from instrument terms¶
| Desired Outcome | Status | Solved By |
|---|---|---|
| Minimize manual effort to reflect investment maturities in cash forecasts | ⬚ Not solved | — |
| Increase forecast accuracy by automatically showing when invested cash becomes available | ⬚ Not solved | — |
| Reduce risk of forgetting maturity dates that affect cash availability | ⬚ Not solved | — |
Gaps: Investment maturities not automatically reflected in forecast. Manual tracking required.
Sources: - Palm Internal (2025-12-02) - "Auto-generate investment forecast impacts from instrument terms" / Investment maturities should automatically create forecast entries showing when cash becomes available - Personio (2026-01-28) - "When is that available for me is the big one" - Tom; Tom validated that investment balances should show as forecast (flat line from current value, maturity drop when they mature) - ON (2026-02-18) - "Investments dashboard with maturities demoed — forecast shows investment maturity dates" - Jennifer; Jennifer demoed investments dashboard where forecast includes maturity dates
Job: Track non-deposit investment types (MMCs, money market funds) alongside term deposits¶
| Desired Outcome | Status | Solved By |
|---|---|---|
| Minimize incomplete counterparty exposure views caused by missing fund data | ⬚ Not solved | — |
| Reduce manual workarounds for tracking fund-like instruments separately | ⬚ Not solved | — |
| Increase accuracy of total investment position across all instrument types | ⬚ Not solved | — |
Gaps: Only term deposits tracked. MMCs, money market funds, overnight accounts not included.
Sources: - ON (2026-02-18) - "MMCs at UBS not included in total investments — interest reinvested as principal, monthly frequency, no maturity date" - Amanda; Amanda flagged MMCs (money market-like products at UBS) not included in total investments. Different from term deposits — no maturity date. - Personio (2025-10-21) - "Investment tracking: term deposits, money market funds, overnight accounts" - Tom; Tom lists multiple investment types that need tracking alongside term deposits
Emerging Signals¶
Single source - needs corroboration
Potential Job: Monitor counterparty (bank) credit ratings to maintain compliance with investment policy¶
Potential Outcomes: - Minimize the time required to gather credit ratings from multiple bank websites - Reduce the delay between a rating change and awareness of that change - Increase confidence that credit rating data is current and accurately sourced (S&P, Fitch, Moody's)
Source: Personio (2025-10-21) - Each bank uses different terminology (secured vs unsecured); AI agent for scraping "works once and then it's not working again"
Potential Job: View investment positions at entity level vs global level appropriately¶
Potential Outcomes: - Minimize confusion when viewing entity-level vs global positions - Reduce errors from investments distorting operational cash views - Increase clarity on which cash is truly "available" at each level
Source: Palm Internal (2025-12-02) - "At a global view, you lose a lot of stuff" / Entity-level views matter for decision-making
Potential Job: Generate accurate debt position reports for multiple stakeholders¶
Potential Outcomes: - Minimize the time required to transform debt data into different report formats (accounting, cash flow, FNA) - Reduce the frequency of formula errors in accrual calculations - Increase confidence in reconciliation with bank figures
Source: Avramar (2025-07-09) - "What we want to do is to normalize it and don't spend time" / Need same data for accounting, cash flow, and FNA reporting
Potential Job: Track securities/collateral across complex loan structures¶
Potential Outcomes: - Minimize the effort to identify which collateral backs which loan - Reduce confusion from merged company asset pools - Increase visibility into collateral revaluation schedules
Source: Avramar (2025-07-09) - "this is another nightmare... we have many many different securities" / Securities include fish farms, boats, platforms, warehouses, biomass
Potential Job: Calculate debt accruals accurately with floating rates and mid-period changes¶
Potential Outcomes: - Minimize manual intervention when Euribor rates change - Reduce the time to split accruals across rate periods - Increase confidence that accrual figures match bank calculations
Source: Avramar (2025-07-09) - "The concept behind is quite easy. The following up is complex" / Complex accruals with floating rates, penalties, withholding tax splits
Potential Job: Manage Treasury policy compliance while meeting funding needs¶
Potential Outcomes: - Minimize the risk of policy breaches when liquidating investments for funding - Increase visibility into how funding decisions affect policy metrics (liquidity %, tenor mix) - Reduce manual effort tracking investment portfolio against policy limits
Source: Personio (2024-11-26) - "Treasury policy scenario planning - Model how liquidating investments affects policy compliance" / Managing liquidity across maturity buckets (30 days, 1 month, 3 months) while meeting daily funding needs
Notes¶
- id-002 (investment decision-making) is the foundational infrastructure — tracking investments, seeing maturities, understanding availability. scenario-modelling/sm-e-004 builds on this with scenario-based investment planning using forward cash visibility.
- id-e-002 promoted to confirmed id-004 (2026-03-10). Personio (Tom, 2026-01-28) and ON (Jennifer, 2026-02-18) validated investment maturity impacts in forecast alongside Palm Internal's original concept.
- id-e-008 promoted to confirmed id-005 (2026-03-10). Personio (Tom, 2025-10-21) lists MMFs and overnight accounts alongside ON's MMC evidence.