Financial Structuring Manager

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 company's 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

company's 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 company's 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 GatiPay's 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.