Debt Structurer, B&C India, PB

Job description

Date live: 07/09/2026 Business Area: Credit Area of Expertise: Product Development & Management Contract: Permanent Reference Code: JR-0000118968 Join us as Debt Structurer, B&C India, PB ,where you will be responsible for: - Purpose of the role is to act as a bridge between Credit team and other departments and clients, providing in-depth knowledge and support for Bank credit products. - Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, limitations, risks and compliance - Understanding of market trends, new features, regulatory requirements and potential risks, and analysis of data obtained from sales figures and, customer feedback, to support the product development process, and communicate key findings to relevant stakeholders to improve product offerings. - Response to customer inquiries and obtain a detailed understanding of complex personal / corporate financial circumstances in order to provide options for suitable product solutions. Support with resolution of issues, and provision of guidance on product usage. - Participation in training sessions and workshops to share product knowledge and expertise with colleagues and other stakeholders. To be successful in this role, you should: - Advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. - Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. - Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. - Take ownership for managing risk and strengthening controls in relation to the work done. - Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. - Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. - Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. - Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience. - Influence or convince stakeholders to achieve outcomes. Basic/ Essential Qualifications: - Graduate degree in finance / business - Experience in credit structuring team at Bank / financial institution - Track record of evaluating client requirements, aligning with regulations and internal policies, end to end proposal development and working with Risk team for sanction and Ops teams for monitoring - Strong exposure to RBI regulations for Bank in general, and Credit in particular - Strong process orientation – demonstrable track record working in a large institution with robust governance and compliance frameworks Desirable skillsets/ good to have: - Track record of taking ownership of end-to-end credit solution structuring and delivery Job location is Mumbai. **Purpose** To act as a bridge between Product teams and clients, providing in-depth knowledge and support for a specific range of products. **Accountabilities** - Provision of SME expertise on specific products and services to customers and colleagues, including features, functionalities, benefits, limitations, risks and compliance - Understanding of market trends, new features, regulatory requirements and potential risks, and analysis of data obtained from sales figures and, customer feedback, to support the product development process, and communicate key findings to relevant stakeholders to improve product offerings. - Response to customer inquiries and obtain a detailed understanding of complex personal / corporate financial circumstances in order to provide options for suitable product solutions. Support with resolution of issues,and provision of guidance on product usage. - Assistance with the development and execution of marketing materials for the product, such as pitch materials and client presentations. - Participation in training sessions and workshops to share product knowledge and expertise with colleagues and other stakeholders. **Vice President Expectations** - To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. - If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. - If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. - OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and co