Debt Structurer, B&C India, PB

Job Description

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 coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions..
• Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment.
• Manage and mitigate risks through assessment, in support of the control and governance agenda.
• Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does.
• Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business.
• Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies.
• Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions.
• Adopt and include the outcomes of extensive research in problem solving processes.
• Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.

Join us as Debt Structurer, B&C India, PB, where you will be responsible for:

• Acting as a bridge between the Credit team, clients, and other internal stakeholders by providing subject matter expertise on the Bank's credit products.
• Advising clients and internal partners on credit products, including features, benefits, limitations, risks, and regulatory requirements.
• Understanding client requirements and structuring appropriate credit solutions in line with internal policies, risk appetite, and RBI regulations.
• Coordinating with Risk teams for credit sanction, Operations teams for monitoring, and other stakeholders to ensure seamless end-to-end credit proposal execution.
• Monitoring market trends, regulatory developments, and customer feedback to support product enhancement and improve credit offerings.
• Resolving complex customer queries and providing guidance on product usage and credit solutions.
• Sharing product knowledge and best practices through training sessions and workshops.

To be successful in this role, you should:

• Advise and influence decision-making while collaborating with multiple business functions and stakeholders.
• Provide guidance on complex credit-related matters and support the resolution of escalated issues.
• Identify risks, strengthen controls, and contribute to governance and policy improvements.
• Demonstrate strong ownership of end-to-end credit structuring, execution, and delivery.
• Analyse complex information from multiple internal and external sources to develop effective credit solutions.
• Communicate complex and sensitive information clearly to diverse stakeholders.
• Build strong relationships and influence stakeholders to achieve successful business outcomes.

Essential Skills / Basic Qualifications:

• Graduate degree in Finance, Business, or a related discipline.
• Experience in a Credit Structuring role within a bank or financial institution.
• Proven experience in evaluating client requirements, developing end-to-end credit proposals, and coordinating with Risk and Operations teams.
• Strong understanding of RBI regulations, particularly those related to banking and credit.
• Strong process orientation with experience working within robust governance, compliance, and control frameworks.

Desirable Skills / Preferred Qualifications:

• Demonstrated experience in taking ownership of end-to-end credit solution structuring and delivery.
• Strong stakeholder management and cross-functional collaboration skills.
• Excellent analytical, communication, and problem-solving abilities.

You may be assessed on the key critical skills relevant for success in this role, such as:

• Credit Structuring
• Credit Risk & Lending Products
• RBI Regulations & Banking Compliance
• Stakeholder Management
• Financial Analysis
• Governance & Controls
• Analytical Thinking
• Communication & Influencing Skills
• Problem Solving

Job location is Mumbai.