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Strategy, M&A
Associate
5 years experience
  • Structured Products
  • M&A
  • Corporate Finance
  • Due Diligence
  • +2
Hire Wil
France M&A, Private Equity
Manager
5 years experience
  • Structured Products
  • Financial Modeling
  • Corporate Finance
  • Financial Analysis
  • +3
Hire Wetonou
Hangzhou, Zhejiang, China FinTech
Senior
6 years experience
  • Structured Products
  • Financial Modeling
Hire Minghua
Amsterdam, Netherlands M&A, Private Equity
Associate
5 years experience
  • Structured Products
  • Financial Modeling
  • Business Strategy
  • M&A
  • +6
Hire Lucas
Toronto, Ontario, Canada Venture Capital, FinTech
Senior
9 years experience
  • Structured Products
  • Financial Modeling
  • Financial Analysis
  • Due Diligence
  • +11
Hire Gaurav
The Netherlands Strategy, M&A
Associate
4 years experience
  • Structured Products
  • Financial Modeling
  • Business Strategy
  • M&A
  • +8
Hire Tien
Amsterdam-Zuid, Amsterdam, Netherlands Strategy, M&A
Manager
10 years experience
  • Structured Products
  • Financial Modeling
  • Business Strategy
  • M&A
  • +8
Hire Tino
Irvine, CA, USA Strategy, FinTech
Senior
15 years experience
  • Structured Products
  • Financial Modeling
  • Business Strategy
  • Corporate Finance
  • +26
Hire Augusto
A structured product consultant is a professional with the necessary expertise to provide consulting services, guidance and advice to investors looking to invest in a structured product. 

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Frequently asked questions

What clients usually engage your Structured Products Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Structured Products talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Structured Products professionals, highly specialized within their domains. We have streamlined the process of engaging the best Structured Products talent and are able to provide clients with Structured Products professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Structured Products professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Structured Products consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Structured Products consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Structured Products talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Structured Products talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Structured Products consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

We are a community-based M&A staffing platform.

With our platform, you can fill full-time M&A roles, or staff your team with a Structured Products expert when you need an extra hand.

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Everything you need to know about Structured Products

A structured product refers to an investment item whose performance, value and return are linked to an underlying asset. Structured products are two or more assets related by an interest rate and derivatives. 

Structured products are investment assets that give the investor an additional return other than the initial investment. Structured products aim to return the initial amount invested (principal) and a profit to the investor. This investment strategy involves taking on more risk and earning more than investing in a traditional finance model would give. 

Structured products are classified as non-traditional investment products. This is because structured products combine with an underlying asset to make profit. 

Structured products feature traditional financial items, such as investment-grade bonds, equities, options, indices, commodities, and so on, in addition to non-traditional payoffs. 

A bank or a financial institution usually issues structured products to individuals. This is because of the need to create cheap debt. Structured products involve retail investors investing a small portion of the principal in underlying assets. They then earn fixed or variable profit from price movements. 

Structured products are meant to provide more customized options to retail investors. These investment products are unique because they involve an asset that is linked to underlying assets. They are linked to interest in addition to single or multiple derivatives. These underlying assets give the investor a variety of options in terms of risk and return levels. 

Characteristics of Structured Products 

Structured products have been described as investment assets linked to underlying assets or securities. 

Here are some characteristics of structured products:

  1. They serve as a replacement for direct investments.
  1. Retail investors have access to them.
  1. The date of maturity is defined and so is the payoff. 
  1. The return of structured products are dependent on the performance of the underlying assets.
  1. Structured products protect the principal capital invested as long as the investment is held until full maturity. 
  1. They serve as a platform for creating customized investment options to investors in terms of risk-return goals. 
  1. They are investments that reduce the risks of loss.

What does a structured product consultant do? 

A structured product consultant is a professional with the necessary expertise to provide consulting services, guidance and advice to investors looking to invest in a structured product. 

Some of the duties of a structured product consultant are:

  1. Provide consulting services to investors 
  1. Advise investors on the structured product that best suits their financial needs 
  1. Guide investors through the process of buying into and maintaining a structured product until maturity 
  1. Monitoring market conditions to protect the investor’s assets 

Components of Structured Products 

Structured products feature traditional financial instruments, such as bonds, banknotes and CDs. The underlying assets, securities and derivatives linked to these investments vary based on what an individual wants to invest in. 

A structured product has three components. These components make up a structured product. They are:

  1. A bond, banknote or CD
  2. The underlying assets
  3. The derivative 

These components determine how the structured product will function and the return the investor will get from the product when it has reached its maturity date. 

  1. A bond, bank note or CD

The bond component is what funds the derivative. The interest gotten from the bond is used to buy into the derivative. It also provides the capital guarantee that, at maturity, the investor is guaranteed to get their money back from the issuer unless the issuer defaults on payment. 

  1. The underlying assets 

Underlying assets are usually traditional financial instruments, such as an index fund, exchange-traded funds or any other security available for trading on the market. 

This component involves the process whereby a product returns the initial amount invested (principal) at maturity in addition with interest earned from the underlying asset. 

  1. The derivative 

The derivative component is a very important component of structured products. It is linked to the underlying asset after purchase. Derivatives could be options or forward contracts. Derivatives are most used in the form of options. 

The derivative component, in most cases, determines the amount of return gotten from the investment. When choosing a derivative, the investor considers market conditions, the expected return and the presence or absence of capital protection. 

Types of Structured Products 

There are three types of structured products. These categories of structured products differ based on the returns earned, principal protection and risk levels. 

The types of structured products are:

  1. Structured Deposits 

Structured deposits involve fixed or variable returns depending on the performance of the underlying assets. For example, an individual who buys an underlying asset in the foreign exchange structure. The investor’s earnings depend on market conditions and the market performance of the asset. 

  1. Structured Capital Products 

Structured capital products protect the principal invested by an individual. It guarantees the protection and return of the initial amount invested. But in rare cases, the investor might lose his principal capital if the issuer claims to be bankrupt. 

  1. Structured Capital At Risk Products

This category yields the most return but involves more risks. It doesn’t protect the investor’s capital as the investor can lose money due to extreme market conditions. The returns are dependent on the performance of the underlying assets.

Benefits of Structured Products 

  1. Investment products are customized to meet the differing financial needs of different investors. 
  1. It can protect the principal capital of the investor. 
  1. It can provide good returns on investment.
  1. Structured products can provide larger returns than the investor would’ve gotten from the underlying assets. 
  1. Because structured products can protect the original amount the investor put in, they can also serve as a method of saving with the possibility of profit. 
  1. Investors can enjoy variety and diversification in the assets they are able to invest in.
  1. Structured products have low volatility.

Risks of Structured Products 

  1. It can lead to loss of capital.
  1. There is little to no liquidity present in structured products. 
  1. It is a complex investment that can lead to unknown risks.
  1. It can be costly.

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Case studies

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»Fintalent was able to provide consulting advice in very little time for one of our latest M&A projects. The support was hands-on, pragmatic and of high quality and was as a result critical to advance the project we were not able to properly address in the classical way.«

Dr. Fabian Kley
Dr. Fabian Kley
Head of Group Strategy and M&A at MAN Energy Solutions SE

»I have worked with Fintalent.io both as a talent and as a recruiter. It helped me find a full-time position and supported the recruitment process to expand my new team. The experience and engagement of Fintalent.io and their team have always been incredible.«

Piotr Sliwa, EPAM Systems
Piotr Sliwa
Head of M&A | Europe, EPAM Systems

»I worked in Corporate M&A for more than a decade and wish a platform like Fintalent would have existed years ago! Fintalent provides a very flexible, cost- and time-efficient way to deal with our buy-side transaction staffing requirements with top tier M&A experts.«

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Alexander Mora, CFA
Partner at Ingeniam, former COO/ Head of M&A of DWS Group