Consumer & Investment Management

The Consumer & Investment Management Division includes Goldman Sachs Asset Management, Private Wealth Management, and our Consumer business.

What We Do

Goldman Sachs’ Consumer and Investment Management Division (CIMD) works with a diverse range of world-class institutions, high net worth individual investors and retail consumers globally to achieve investment goals and financial well-being and bring an innovative approach to traditional consumer banking. We are one of the world’s largest asset managers, with approximately $1.8 trillion in assets under supervision across asset classes and strategies. Our global professionals are dedicated to helping clients navigate markets and meet their investment goals. We are:
 

  • Thought Leaders, providing timely insights across macro, tactical and secular themes, to help inform our clients’ investment decisions
     
  • Investors, offering products and services spanning public and private markets that include fixed income, money markets, public and private equity, commodities, hedge funds, and real estate.
     
  • Advisors, poised to help provide objective investment advice and products that make sense for our clients.
     
  • Innovators, providing a suite of digital solutions to help our retail customers meet their financial goals.

 

*As of December 2019

How We're Organized

Consumer and Investment Management Division

The Consumer and Investment Management Division includes our Consumer and Wealth Management and Goldman Sachs Asset Management (GSAM) businesses. We serve a diverse range of clients – from individuals to institutions – who trust us to help them save, protect and grow their capital to meet their financial goals.

Within our Consumer and Wealth Management businesses, teams are focused on providing a differentiated service offering to clients across the wealth spectrum. Our advisors work closely with our Consumer team on a holistic digital investment platform.

Consumer and Wealth Management Businesses
Asset Management Businesses

Private Wealth Management (PWM)

Our PWM advisors secure, develop and manage relationships with ultra-high net worth individuals, their families, family offices and select foundations and endowments. They help our clients pursue their wealth management goals through careful advice, astute investment management and access to the capabilities and network of Goldman Sachs.

Personal Financial Management (PFM)

Formerly United Capital, our PFM wealth advisors work closely with our high net worth clients to implement a financial plan tailored to their personal goals, with a focus on helping our clients live richly. Our FinLife platform, an end to end client experience, allows advisors to deliver world-class financial advice.

Ayco, a Goldman Sachs Company

Our Ayco advisors provide company-sponsored financial counseling, investment management and family office services. We partner with employers to foster a more financially well workforce by educating and helping to implement across a broad range of topics. We streamline the intricate financial lives of our clients and help them accelerate their short and long-term investing goals.

Consumer Business

Consumer includes our lending, savings, card and financial tools teams, collectively working towards creating the leading platform for millions of customers to take control of their financial lives. Through the use of intuitive design, we provide customers with powerful tools and products that are grounded in value, transparency and simplicity. Within our Consumer business, we are primarily looking for candidates with the following skillsets:

  • Digital Product & Design professionals identify customer needs, design cutting-edge products and develop roadmaps for growth. They collaborate across lines of business to deliver the best possible experience for our customers.
  • Data & Analytics professionals help inform our business by analyzing and solving complex problems ranging from marketing strategies and pricing and offer optimization to credit underwriting and risk calculations.
  • Risk & Fraud Strategy professionals establish policies and procedures to protect our business across credit risk, business risk, fraud strategy and collections.

Portfolio Management

Our portfolio management teams build client portfolios across a broad range of asset classes, including equities, fixed income, alternatives and multi-asset class solutions, to customize client solutions that meet their unique investment objectives.

Client Business

Our global Client Business professionals partner with a diverse client base to identify opportunities that shape their portfolios and long-term investment goals. Institutional clients include corporate and public pension funds, foundations and endowments, insurers, financial institutions and governments. Retail clients include financial intermediaries including wire-houses, regional broker-dealers, banks, insurance companies and registered investment advisors.

Who We Look For

CIMD partners with various teams across the firm to help individuals and institutions navigate changing markets and take control of their financial lives. Professionals who have the ability to thrive in a fast-paced environment where attention to detail, strong communication skills, an entrepreneurial spirit, and client service are essential to maintaining and growing our business.

“If you’re considering working in a bank, realize that there are many possibilities... you can tailor your skillset to be relevant.”

Associate, Private Wealth Management, Consumer and Investment Management Division, New York

We Invest in Our People

Learning

We created Goldman Sachs University to help our people grow professionally – starting with their orientation and integration into the firm and continuing with ongoing development over the course of their careers.

Development

From ongoing feedback to diverse talent programs, we’re committed to empowering our people to drive their own development and expand their horizons.

Apprenticeship

We emphasize an apprenticeship culture in which our junior team members learn by working closely with seasoned professionals. We believe this is critical to developing the next generation of Goldman Sachs leaders.