SQL Query suggestion when multiple values are stored in 1 column

Hi All,

I have a column called CountryCdList that has got multiple values stored in it for a row.
For E.g. - AR,CL,CO

I have to write a query based on below dynamically generated WHERE clause based on the profile access to the User.

( U.CountryCdList = 'IND') OR ( PG.CountryCdList = 'IND')

OR

( U.CountryCdList IN ('IND','JP)) OR ( PG.CountryCdList IN ('IND','JP'))

my query works fine if there is only 1 value stored in the CountryCdList column but fails in the above scenario. Please guide me.

Thanks,
Sheetal