Financial Structuring Manager

gatipay
Department Icon BFSI (Operations & Lending)
Posted: 2 days ago
8-12 years
Gurugram, Haryana
BFSI (Operations & Lending)
work from office
Full Time
Closes 12 Dec 2026
Posted: 2 days ago
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Job Description

  • Company: GatiPay Technologies Pvt. Ltd.
  • Position: Financial Structuring Manager
  • Experience: 8–12 Years
  • Location: Gurgaon / Gurugram
  • Employment Type: Full-Time
  • Industry: FinTech / Digital Lending / Financial Services
  • About GatiPay Technologies Pvt. Ltd.
  • GatiPay Technologies Pvt. Ltd. is a technology-driven financial services platform
  • focused on building innovative and scalable lending solutions. We work at the
  • intersection of technology, finance and digital credit to create efficient and
  • sustainable financing solutions for businesses and customers.
  • We are looking for an experienced Financial Structuring Manager to lead
  • structured finance, securitisation, syndication, PTC and co-lending transactions and
  • support the companys overall funding and capital strategy.
  • Role Overview
  • The Financial Structuring Manager will be responsible for designing, structuring and
  • executing various debt and structured finance transactions, including securitisation,
  • PTC transactions, co-lending structures, loan syndication and other structured
  • funding solutions.
  • The role will involve working closely with banks, NBFCs, financial institutions,
  • investors, rating agencies, trustees, legal advisors and internal business/finance
  • teams to develop innovative funding structures and ensure timely execution of
  • transactions.
  • Key Responsibilities
  • 1. Financial Structuring & Transaction Execution
  • Design and execute structured finance transactions aligned with the
  • companys funding requirements and portfolio characteristics.
  • Develop transaction structures involving securitisation, PTCs, co-lending,
  • direct assignment and other structured lending arrangements.
  • Evaluate different funding structures based on cost, risk, regulatory
  • requirements and commercial viability.
  • Prepare detailed financial models, transaction structures, cash-flow waterfalls
  • and scenario analyses.
  • Lead transactions from initial structuring through negotiation, documentation,
  • closure and post-transaction monitoring.
  • 2. Securitisation & PTC Transactions
  • Lead end-to-end execution of securitisation and Pass-Through Certificate
  • (PTC) transactions.
  • Coordinate with rating agencies, trustees, arrangers, investors, legal counsel
  • and other transaction stakeholders.
  • Evaluate loan pools for securitisation and assess portfolio eligibility,
  • performance and credit characteristics.
  • Support pool selection, cash-flow analysis, credit enhancement requirements
  • and transaction documentation.
  • Monitor post-issuance performance and ensure compliance with transaction
  • covenants and reporting requirements.
  • 3. Syndication & Fund Raising
  • Manage loan syndication and structured debt transactions with banks,
  • NBFCs and institutional investors.
  • Develop and maintain relationships with financial institutions and funding
  • partners.
  • Prepare lender/investor presentations, information memorandums, financial
  • models and transaction proposals.
  • Negotiate commercial terms, pricing, tenure, security structures and other
  • transaction parameters.
  • Identify new funding opportunities and diversify the companys funding
  • sources.
  • 4. Co-Lending
  • Structure and execute co-lending partnerships with banks, NBFCs and
  • other regulated financial institutions.
  • Evaluate commercial and operational feasibility of proposed co-lending
  • arrangements.
  • Support negotiation of commercial terms, portfolio allocation, pricing, risk
  • sharing and other key transaction parameters.
  • Work with legal, compliance, technology, credit and operations teams for
  • implementation of co-lending structures.
  • Monitor portfolio performance and partner-level economics.
  • 5. Financial Analysis & Risk Assessment
  • Analyse portfolio performance, credit metrics, cash flows, vintage
  • performance, delinquencies and collection trends.
  • Develop transaction-level financial models and assess expected returns, IRR,
  • cash flows and risk-adjusted economics.
  • Conduct sensitivity and scenario analysis to evaluate transaction performance
  • under different assumptions.
  • Identify key financial and structural risks and recommend appropriate
  • mitigants.
  • 6. Stakeholder & Relationship Management
  • Build and maintain strong relationships with:
  • o Banks
  • o NBFCs
  • o Financial Institutions
  • o Institutional Investors
  • o Rating Agencies
  • o Trustees
  • o Legal & Transaction Advisors
  • o Debt Arrangers
  • Represent GatiPay in discussions and negotiations with external funding
  • partners.
  • Coordinate effectively with internal teams including Finance, Treasury, Risk,
  • Credit, Legal, Compliance, Business and Technology.
  • 7. MIS, Reporting & Governance
  • Maintain transaction-level MIS and funding pipeline reports.
  • Track funding costs, portfolio performance and transaction profitability.
  • Ensure timely reporting and compliance with transaction-specific
  • requirements.
  • Support senior management with regular updates on funding opportunities,
  • transaction status and market developments.
  • Candidate Profile
  • Education
  • CA / CFA / MBA (Finance) / PGDM (Finance) from a reputed institution.
  • Candidates with strong relevant transaction experience may also be
  • considered.
  • Experience
  • 8–12 years of relevant experience in financial structuring, structured
  • finance, investment banking, NBFCs, banks, fintech or financial services.
  • Strong hands-on experience in securitisation, PTC transactions,
  • syndication and co-lending is essential.
  • Experience in structuring debt/funding transactions for lending businesses will
  • be highly preferred.
  • Key Skills
  • Structured Finance
  • Securitisation
  • PTC Transactions
  • Co-Lending
  • Loan Syndication
  • Debt Fund Raising
  • Financial Modelling
  • Cash Flow Modelling
  • Transaction Structuring
  • Portfolio Analysis
  • Credit & Risk Assessment
  • Investor / Lender Management
  • Negotiation & Deal Execution
  • Strong understanding of lending and financial services
  • Preferred Industry Background
  • Candidates from the following backgrounds would be preferred:
  • NBFCs
  • Banks
  • FinTech / Digital Lending Companies
  • Investment Banks
  • Structured Finance / Debt Capital Markets
  • Securitisation / Credit Funds
  • Financial Advisory / Transaction Advisory firms
  • Key Competencies
  • Strong analytical and financial structuring capabilities
  • Excellent understanding of lending and credit products
  • Strong commercial and business acumen
  • Ability to independently drive transactions
  • Strong negotiation and stakeholder management skills
  • Excellent communication and presentation skills
  • Ability to manage multiple transactions simultaneously
  • High attention to detail and strong execution orientation
  • What We Offer
  • Opportunity to work on complex and high-impact structured finance
  • transactions.
  • Exposure to leading banks, NBFCs, investors and institutional funding
  • partners.
  • Opportunity to play a key role in shaping GatiPays funding and capital
  • strategy.
  • Fast-paced and entrepreneurial FinTech environment.
  • High ownership and direct exposure to senior management.
  • If you have strong experience in structured finance, securitisation, PTCs,
  • syndication and co-lending and are looking to take ownership of large-scale
  • funding transactions, we would like to hear from you.

Skills

AdvisoryFundingFinancial AdvisoryFintechLendingFund RaisingManagement SkillsPortfolio AnalysisProposalsReportingTransaction MonitoringTransaction AdvisoryCaCfa

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