Associate, Digital Channels Product Manager

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

An outstanding opportunity presents itself for you to join MUFG as an Associate Digital Channels Product Manager, based in London. This position enables you to immerse yourself in the sophisticated realm of structured finance, supporting prominent projects across sectors such as power, renewables, infrastructure, and natural resources. You will be integral to a collegial team that values your expertise in financial modelling and your capacity to cultivate enduring relationships with both internal and external stakeholders. With a pronounced emphasis on professional advancement, this role affords access to comprehensive training initiatives and flexible working arrangements, ensuring you are able to flourish both personally and professionally. Should you seek a position where your analytical acumen, meticulous attention to detail, and unwavering commitment to excellence are truly esteemed, this represents an exemplary progression in your career.

* Engage within a highly esteemed advisory team delivering intricate project finance solutions across diverse sectors including energy, infrastructure, and housing finance, thereby affording you exposure to a broad spectrum of consequential projects.

* Benefit from an environment that is both supportive and conducive to knowledge sharing, professional development, and flexible working opportunities—each designed to facilitate an optimal work-life balance.

* Interact directly with clients and colleagues at all levels, fostering enduring relationships while enhancing your technical proficiency through practical experience and comprehensive training programmes.

What you'll do:

In the capacity of Associate Digital Channels Product Manager, you will assume a pivotal role in facilitating the execution of advisory mandates spanning a wide array of sectors. Your daily remit will encompass designing advanced financial models for project finance transactions whilst collaborating extensively with colleagues across departments to deliver holistic funding solutions. Direct client engagement will form a significant aspect of your responsibilities—addressing queries, participating in meetings, and ensuring client requirements are met with precision. Beyond reviewing externally sourced models and conducting stress tests alongside deal teams, you will also play an instrumental part in mentoring junior staff members. Your contributions will extend into preparing essential documentation such as information memoranda and supporting authorisation activities throughout internal approval processes. By nurturing robust relationships both internally and externally, you will underpin effective communication channels vital for successful project delivery. The role further necessitates developing an intricate understanding of core systems utilised within the structured finance office so as to respond efficiently to enquiries whilst upholding compliance with regulatory standards. Occasional international travel may be required as part of your professional obligations.

* Design and construct intermediate to complex financial models tailored for project and structured finance transactions, with particular focus on clients within the Japanese Corporate Banking Division for EMEA.

* Respond promptly and thoughtfully to day-to-day queries from clients and other banking institutions regarding financial models, attending meetings to provide expert insights and support.

* Review financial models prepared by clients or other institutions, applying rigorous stress tests in collaboration with deal teams to ensure robust analysis and sound decision-making.

* Mentor and develop junior team members by imparting guidance on model building techniques and best practices within the team environment.

* Collaborate closely with credit function colleagues to coordinate the production of detailed cash flow analysis papers that inform critical investment decisions.

* Liaise with clients at counterpart level to relay specific information, address routine queries, and maintain consistently high standards of customer service.

* Cultivate strong relationships throughout the organisation in order to establish a peer network, gather pertinent information, and promote effective inter-departmental cooperation.

* Produce RORA calculations and swap line calculations at various stages of transaction cycles in support of key decision-making processes.

* Develop a practical understanding of all core systems and procedures within the structured finance office so as to ensure seamless integration with standard systems when responding to enquiries.

* Support the preparation of information memoranda and presentation materials for clients as well as assist in authorisation activities during internal approval processes.

What you bring:

To excel as an Associate Digital Channels Product Manager, you will possess substantial experience in constructing detailed project finance models within reputable banking environments or analogous settings. Your background should reflect adeptness at managing complex model builds from inception through completion while engaging effectively with diverse stakeholder groups. Advanced Excel capabilities are indispensable alongside a solid foundation in IT applications pertinent to financial analysis. Your grasp of accounting principles must be complemented by astute business judgement—enabling you to interpret how various factors impact project outcomes. Communication is paramount: your ability to articulate intricate concepts clearly ensures productive interactions both internally among peers and externally with clients. Precision is intrinsic to your approach; accuracy permeates every facet of your work even amidst demanding deadlines or substantial workloads. A degree or equivalent experience forms the cornerstone of your technical competence; supplementary qualifications in accountancy or finance further enhance your profile. Above all else, your interpersonal skills—characterised by empathy, dependability, sensitivity towards others’ perspectives—will enable you to thrive within this collaborative environment.

* Demonstrated commercial experience in constructing robust project finance models within banking or comparable financial institutions.

* Proven record in managing end-to-end model build processes for complex transactions involving multiple stakeholders across various functions.

* Advanced proficiency in Microsoft Excel coupled with comprehensive IT knowledge relevant to financial modelling tasks.

* Thorough understanding of financial accounting principles combined with business awareness and insight into factors influencing project financing performance.

* Exemplary verbal and written communication skills enabling you to foster credible relationships at all organisational levels.

* Meticulous attention to detail ensuring accuracy throughout all aspects of model construction and review processes.

* Capacity to prioritise tasks independently whilst remaining dependable under pressure without direct supervision or oversight.

* Degree-level education or equivalent professional experience is essential; accountancy or finance qualifications would be considered advantageous.

* A composed demeanour under pressure paired with excellent interpersonal skills that engender trust-based collaboration.

WORK EXPERIENCE

• Experience at Associate level experience in a GTB product management role, having had

> either direct accountability in regional Product Management team accountable for host 2 host channels & swift platforms in particular;

> track record as technical integration / implementation specialist between bank and MNCs, integrating e-banking, host2host and swift from a channels, file formats perspective

• Track record of individual product management for a direct host to host channel & Swift inclusive of supporting technical & functional business requirement documentation, target infrastructure & operating model definition; client mobilisation & scaling up from volumes, value

SKILLS AND EXPERIENCE

Functional / Technical Competencies:

• Strong, technical understanding of European Payments industry (low value, high value, instant payments; interoperability with TFX; industry transformation for ISO standards and reporting changes for MUFG.
• Familiarity with  / working fluency across 3rd party specialist ERP/ TMS applications used by MNCs including SAP / S4Hana; Bellin / TIS etc is expected through experience in integration; continuous improvement in new integration points & partners
• Good knowledge of end to end Client Implementation especially integration & testing and how to influence client and MUFGs behavior / infrastructure for increased STP, automation and self-service. 
• Interest in current trends and industry developments with regards to digitisation, automation and standardisation of TB solutions, processes and  work flow engineering techniques.

What sets MUFG apart:

This institution distinguishes itself as one of the world’s most esteemed financial organisations renowned for its steadfast commitment to integrity, inclusivity, and professional development. Employees benefit from a culture that places considerable emphasis on teamwork, mutual respect, and continuous learning—ensuring each individual feels supported throughout their career journey. Flexible working opportunities allow you to tailor your schedule around personal commitments while comprehensive training programmes empower you to expand your skill set at every stage. The company’s dedication to diversity ensures individuals from all backgrounds are welcomed; initiatives promoting equality guarantee that under-represented voices are heard at every level. With access to state-of-the-art technology platforms and involvement in landmark international projects across multiple sectors—including energy transition initiatives—you will find ample scope for personal growth as well as meaningful contribution towards sustainable development goals. Supportive leadership fosters open communication channels so ideas may flourish freely; whether collaborating on cross-border transactions or participating in knowledge-sharing sessions with industry experts worldwide, you will always feel part of something greater than yourself.

What's next:

Should you wish to embrace an exciting new challenge where your expertise will have tangible impact within a globally recognised institution, we warmly encourage you to take the next step today.

Apply today by clicking on the link provided—your future commences here!

We are open to considering flexible working requests in line with organisational requirements.

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.

We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.