Associate / Sr Associate , Credit and Portfolio Management

**About IIX**

Impact Investment Exchange (IIX) is a **pioneer in impact investing**, dedicated to reshaping finance for sustainable development. Over the past 15+ years, IIX has built the sustainable investing market through:

- **Capital Mobilization** - Including the **Women's Livelihood Bond Series** (6 listed bonds and growing).
- ** Enterprise Technical Assistance** - Supporting impact enterprises across Asia, Africa, and the Pacific.
- ** Data & Impact Measurement** - Leveraging **IIX Values**, an impact verification tech solution.
- ** Global Advocacy & Innovation** - Such as the **Orange Movement**, which integrates gender equality and climate action in financial markets.

**Our Impact**:
**Mobilized nearly $500M** in private-sector capital
**Positively impacted over 160 million lives**
**Avoided over 1.9 million metric tons of carbon**
**Collected over 90,000+ data points** on sustainable MSMEs

In 2024, IIX launched **IIX Intelligence**, a global data hub evaluating gender diversity, ESG, and climate action among MSMEs. Our work has been recognized by accolades such as the **Oslo Business for Peace Award** and the **UN Global Climate Action Award**.

**About The Role**:
**Key Responsibilities**
As an Associate Vice President, Credit Portfolio Management at IIX, you will support the credit process for IIX's lending products, including current and future Women's Livelihood Bond loan portfolios. You will be responsible for monitoring existing loan portfolios and identifying and analyzing new lending opportunities as IIX expands its activities. This includes liaising with borrowers, preparing investor reports, conducting credit analysis, managing risks, and collaborating with the Innovative Finance team.

**Key Responsibilities**:

- **Corporate Credit & Financial Analysis**
- Strong ability to assess financial statements, cash flows, debt servicing capacity, and risk factors for corporate borrowers.
- Understanding of loan structuring, financial covenants and conditions, and repayment risk.
- ** Macroeconomic Insight**
- Ability to assess economic and industry trends impacting borrower risk.
- ** Portfolio Monitoring & Risk Management**
- Monitor borrower performance, compliance with covenants and conditions, and early warning indicators.
- Identify risks and recommend appropriate mitigation strategies.
- Track and assess borrower performance; provide accurate and timely updates to investors and partners.
- Liaise with borrowers to monitor financial performance.
- Prepare quarterly and annual reports for submission to stakeholders.
- Play a key role as part of the first line of defense for risk mitigation in debt products.
- ** Credit Analysis & Underwriting**
- Identify potential borrowers (e.g., microfinance institutions and high-impact enterprises).
- Analyze prospects in line with IIX's lending criteria.
- Conduct underwriting of credit exposures.
- Support desk due diligence, financial modelling, deal structuring, documentation, and transaction closure.
- Collaborate with the Innovative Finance team to drive underwriting and credit risk management
- ** Excel & Financial Modelling**
- Proficiency in Excel (Index-Match, VLOOKUP, pivot tables, basic modelling) for financial analysis.
- ** Reporting & Communication**
- Prepare credit appraisal reports, credit assessments, portfolio and borrower updates, and ad hoc reports.
- Present credit and credit risk findings clearly and persuasively, both in writing and verbally.
- ** Stakeholder Management**
- Work directly with the Innovative Finance team on credit and risk matters.
- Strong interpersonal and client-facing communication skills.
- **Attention to Detail**
- Ability to identify data inconsistencies and verification issues.

**KPI (Key Performance Indicators)**
- Analyze financial and impact information and reports relating to borrowers and potential borrowers;
- Analyze current and past financial data; review current financial performance and identify trends
- Craft investment rationale and draft investment proposals for the investment committee
- Monitor and interpret economic, market, and sector fundamentals, risks, and opportunities
- Provide transaction support on transactions including support on desk due diligence, financial analysis, deal structuring, documentation, and transaction closure
- Monitoring of WLB portfolio investments as well as markets in which they are operating
- Provide day-to-day operations support for credit risk management and transaction management
- Provide support in the active origination and screening of potential borrowers for the WLB portfolios

**Preferred Qualifications**
- **Education**: Bachelor's degree required; MBA or Master's degree, CFA is a plus.
- ** Experience**: Minimum 3 years in corporate credit assessment within a lending institution (not retail/credit cards); SME lending experience is a plus.
- ** Market Exposure**: Experience in emerging markets (Asia / Africa) is a plus. Time spent in dev