Sr Associate / AVP Credit and Portfolio Management

Job description

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, enterprise technical assistance, data & impact measurement, and global advocacy & innovation.


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
IIX seeks an experienced AVP, Credit Portfolio Management who will support the credit process for IIX’s lending products, including its existing and future Women’s Livelihood Bond loan portfolios.

The successful candidate will monitor the performance of existing loan portfolios and identify and analyze prospective new borrowers as IIX expands its lending activities.

Responsibilities include liaising with borrowers to monitor financial performance and compliance with covenants, and preparing quarterly and annual financial reports for submission to investors and program partners.

The role requires tracking borrower performance, sharing accurate results and progress updates with investors and partners, and serving as part of the first line of defense in identifying and mitigating credit risk.

Credit analysis for new lending activities includes identifying potential borrowers (e.g., microfinance institutions and other high-impact enterprises) and evaluating them against IIX’s lending criteria.

The role works with the Innovative Finance team to drive credit analysis, underwriting, and active risk management of the credit portfolio, and to provide subject matter expertise in delivering lending products to assigned clients.


Key Responsibilities
Corporate Credit & Financial Analysis
Assess financial statements, cash flows, debt servicing capacity, and risk factors for corporate borrowers.


Understand loan structuring, financial covenants and conditions, and repayment risk.


Macroeconomic Insight
Assess economic and industry trends impacting borrower risk.


Portfolio Monitoring & Risk Management
Monitor borrower performance, covenant compliance, and early warning indicators.


Identify risks and recommend mitigation strategies.


Track and assess borrower performance; provide timely updates to investors and partners.


Liaise with borrowers to monitor financial performance.


Prepare quarterly and annual reports for stakeholders.


Play a key role in first-line risk mitigation for debt products.


Credit Analysis & Underwriting
Identify potential borrowers (e.g., microfinance institutions and high-impact enterprises).


Analyze prospects per IIX’s lending criteria.


Conduct underwriting of credit exposures.


Support due diligence, financial modelling, deal structuring, documentation, and transaction closure.


Collaborate with the Innovative Finance team on 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, assessments, portfolio and borrower updates, and ad hoc reports.


Present credit and risk findings clearly in writing and verbally.


Stakeholder Management
Work with the Innovative Finance team on credit and risk matters.


Provide subject matter expertise and manage delivery of lending products to clients.


Strong interpersonal and client-facing communication skills.


Attention to Detail
Identify data inconsistencies and verification issues.


Candidates with corporate credit risk, financial analysis, and portfolio monitoring experience will thrive in this role.


KPIs (Key Performance Indicators)
Analyze financial and impact information and reports relating to borrowers and potential borrowers.


Analyze current and past financial data; review performance and identify trends.


Draft investment rationale and investment proposals for the investment committee.


Monitor and interpret economic, market, and sector fundamentals, risks, and opportunities.


Provide transaction support including due diligence, financial analysis, deal structuring, documentation, and closure.


Monitor WLB portfolio investments and markets of operation.


Provide day-to-day operations support for credit risk management and transaction management.


Support active origination and screening of potential borrowers for the WLB portfolios.


Preferred Qualifications
We seek a financial and credit analyst with strong expertise in corporate credit assessment, portfolio monitoring, and macroeconomic analysis.

The ideal candidate will understand financial risks, borrower performance, and lending dynamics in emerging markets.


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 developing countries is an advantage.


International development and/or impact enterprise or MFI experience
Academic or professional experience with IIX sector specializations (renewable energy, sustainable agriculture, inclusive finance, technology access, rural healthcare services, education)
Fluency or proficiency in one or more regional languages
Start Date:
Immediate
Location:
Singapore, Indonesia or Philippines
Why Join IIX?
Hands-on exposure to impact investing and sustainable finance.

Opportunity to drive global change in gender equality and climate action.

Fast-track professional growth with training, mentorship, and leadership opportunities.

Work with leading institutions – from UN agencies to top financial institutions.


Application Process
Submit your cover letter and resume.

Only shortlisted candidates will be contacted.

Your personal data will be used strictly for recruitment purposes.


IIX is an equal-opportunity employer.


Submission:
Please submit a cover letter and a resume.

A test on technical knowledge will be required if shortlisted; you may also provide work samples.

Qualified candidates will be contacted by a member of the IIX team for interviews to discuss your skills and experiences.

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Required Skill Profession

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