Financial Structuring Manager / Senior Associate

Role & responsibilities

Job Description: Financial Structuring Manager / Senior Associate

Role Purpose

As the Financial Structuring Manager / Senior Associate at Gatipay Technologies, you will be the core tactical architect behind our capital-raising capabilities and institutional financing frameworks. Working directly alongside the senior leadership team, your mandate is to secure, structure, and optimize the capital stack (both debt and equity-linked instruments) needed to power Gatipays trade finance operations.

You will design the financial instruments that bridge the demand-side requirements of BeAM and FAPPL trade value chains (FPOs, processors, traders) with the risk-return expectations of supply-side institutional investors.

Key Responsibilities

1. Capital Structuring & Financial Engineering

• Design and execute innovative financial structures including Asset-Backed Securitization (ABS), Covered Bonds, and Multi-Tranche Co-Lending structures.
• Build, maintain, and stress-test sophisticated financial models to evaluate cash-flow waterfalls, credit enhancement mechanisms (such as FLDG, over-collateralization, and subordinate debt), and pricing mechanics.
• Structure customized equity-linked instruments, mezzanine debt, and structured trade credit facilities that align with Gatipays long-term capitalization strategy.

2. Debt Syndication & Investor Relations

• Lead the end-to-end debt syndication process. Identify, pitch to, and onboard diverse capital providers including public/private sector banks, top-tier NBFCs, family offices, and Alternative Investment Funds (AIFs).
• Prepare premium-grade institutional placement memoranda, credit pitches, and financial structuring notes for external credit committees and investment boards.
• Manage negotiation processes around term sheets, financial covenants, and structural documentation alongside legal counsel.

3. Regulatory Engineering & Institutional Compliance

• Maintain an advanced, running understanding of the regulatory landscape governing Indian financial ecosystems, including RBI digital lending guidelines, Priority Sector Lending (PSL) mandates, Securitization norms, and co-lending circulars.
• Ensure all designed financial structures are impeccably compliant with regulatory capital limits, tax implications, and institutional risk guidelines of partner banks and NBFCs.

4. Cross-Functional Ecosystem Integration

• Partner closely with the Senior Credit Manager and Senior Product Manager to ensure that the on-ground, cash-flow realities of value chain participants (FPOs, PACS, exporters) are accurately captured within the institutional credit structures.
• Monitor transaction settlement cycles on BeAM and FAPPL to dynamically refine structuring assumptions and maximize capital deployment velocity.

Candidate Profile & Competencies

• The Ideal Background: You must have a proven track record of executing mid-to-large-scale structured finance transactions within institutional platforms or specialized NBFCs (e.g., Vivriti Capital, Northern Arc Capital, or structured finance desks of leading corporate banks).
• Technical Mastery: Exceptional capability in financial engineering, credit analysis, and complex Excel-based cash-flow waterfall modeling. You must know how to price risk and structure credit enhancements from scratch.
• Network & Deal Credibility: An active professional relationship network within the mid-market corporate treasury, NBFC risk management circles, and wholesale debt syndication networks in India.

Preferred candidate profile

Required Qualifications & Experience

• Education: Chartered Accountant (CA), CFA Charterholder, or an MBA in Finance from a premier business school (IIMs, ISB, FMS, XLRI).
• Experience: 3 to 6 years of core experience in Structured Finance, Wholesale Debt Syndication, Investment Banking, or Treasury Structuring within a top-tier Bank, NBFC, or specialized fintech platform.
• Domain Expertise: Deep clarity on structural risk-mitigants, specialized lending vehicles (AIFs/SPVs), and the operational mechanics of supply chain finance or agri-commodity assets.

What Gatipay Offers

• High-Stakes Ownership: Direct exposure to the senior management team and a key seat at the table in building the financial bedrock for a massive digital agricultural marketplace (BeAM/FAPPL).
• Intellectual Challenge: The opportunity to move beyond standard plain-vanilla term loans and design pioneering alternative credit structures for an underserved multi-billion dollar asset class.
• Location & Rewards: Based in Gurgaons competitive fintech hub, offering premium market compensation, performance incentives, and career-defining equity upside.