Sr Director, Credit Portfolio Management - India at IIX Global

About IIX:

Impact Investment Exchange (IIX) is a pioneer in the global impact investing movement, dedicated to reshaping finance for sustainable development with a focus on gender equality and climate action through capital mobilization and data-based solutions. For over a decade and a half, we've been building the sustainable investing market, from establishing the world's largest crowdfunding platform for impact investing (Impact Partners™), operating award-winning enterprise technical assistance programs, creating innovative financial products such as the Women's Livelihood Bond™ Series, (listed 6 bonds in the public market with zero credit default) and establishing an Impact Institute and Research & Advisory. While we are very deep with our work in Asia, the Pacific, and Africa, our work spans 60 countries globally where we have invested close to $500 million of private-sector capital, positively impacted over 160 million direct and household lives, and avoided over 1.9 million metric tons of carbon and have collected over 90,000+ data points on sustainable micro, small and medium enterprises (MSMEs). The base of IIX's work is IIX Values™, an impact verification tech solution measuring investments' social and environmental impact to the last mile, amplifying the voices of the underserved. In 2022, we, along with global partners, launched the Orange Movement™ and, within that, created a new asset class, Orange Bond, to demonstrate the intersectionality of gender equality and climate action and unlock $10 billion in capital markets by 2030, impacting 100 million women, girls, and gender minorities and making them a key player in climate mitigation and adaptation efforts. In 2024, we unveiled our global data hub, IIX Intelligence™, which aggregates, evaluates, and benchmarks data from sustainable MSMEs, offering unparalleled insights into gender diversity, climate action, ESG performance, and community risk management. IIX Intelligence demonstrates with data the importance of MSMEs as a backbone of sustainable development. Numerous accolades, including the Oslo Business for Peace and the UN Global Climate Action Award, have recognized our efforts. Our team’s 'PREM' values—passion, resilience, equity, and mavericks—propel our efforts, bringing meaningful change to Global South communities and the 99%.

For more information about IIX, please visit www.iixglobal.com.

About a career with IIX:

You will join a highly effective team providing unparalleled hands-on exposure to the Impact Investing and Social Finance space. You thrive in applying finance skills to tackle development issues and creating solutions using structured strategies and innovative programs that address and solve the world’s most pressing problems, from food security to inclusive finance to clean energy. You aim to become a global development leader with a passion for international development and get involved in work that makes a difference.

When you join IIX, you embark on a rewarding career where we are heavily invested in your professional development, as we will build on your strengths and help you gain new skills with training, coaching, encouragement, and guiding you in the right direction. It is a value addition to advance your career, providing you invaluable exposure to the rapidly growing impact investing space.

To be a successful member of the IIX team, you should exhibit PREM:

• Passionate: Commitment to social finance and impact investing as a path to unlocking society’s potential to effect social change is essential for a happy and successful tenure at IIX.
• Resilient: Similar to our enterprises working in emerging markets, our IIX team members have strong mental and emotional fortitude and are able to recover quickly from difficulties or setbacks. We look for people with an adaptable and positive attitude and a strong sense of self-worth, which enables them to move forward and continue to strive for their goals even in the face of adversity.
• Equitable: At IIX, we manage toward impact maximization and produce measurable and transparent returns – both social and financial. These results strengthen the ecosystem and transform existing realities by helping impact enterprises magnify their impact and scale. We are fair and impartial in our actions and ensure that we make objective and unbiased decisions based on facts and impact.
• Maverick: While IIX is a seasoned stakeholder in the impact enterprise and impact investing space in Asia, we pride ourselves on creating new opportunities. We look for people with an independent and unorthodox approach to thinking and behaving. If you are someone who is non-conformist, innovative, and independent, often going against the grain, does not like following the crowd and is not afraid to express your own opinions, we want you.
• Develop and implement strategies to source new credit opportunities aligned with business goals.
• Drive credit analysis, underwriting, and proactive risk management.
• Build relationships across markets, engaging stakeholders to enhance pipeline development.
• Identify and evaluate potential borrowers, including microfinance institutions and high-impact enterprises.
• Monitor the borrower's performance and ensure compliance with loan covenants.
• Oversee risk assessment for new and existing loans in the WLB portfolio.
• Ensure timely reporting and regular engagement with borrowers, investors, and partners.
• mitigate portfolio risks and act as the first line of defence and
• Direct and strategize recovery efforts for distressed assets, developing sustainable repayment solutions.
• Oversee the non-performing loans and implement restructuring strategies.
• Define KPIs to monitor recovery progress and measure outcomes.
• Oversee legal documentation and mitigate risks associated with credit transactions
• Ensure credit activities comply with legal and regulatory standards across all operational geographies
• Lead and mentor a high-performing Credit team
• Drive operational efficiency and process improvements within credit portfolio management.
• Foster a collaborative and transparent work environment, promoting professional development.
• Collaborate with the Innovative Finance Structuring Team to develop new bond instruments and funding vehicles.
• Contribute to IIX’s broader strategic goals, driving partnership and product innovation.

Our clients and partners span the spectrum of public and private sector including foundations such as the Rockefeller Foundation and Bank of America-Merrill Lynch Foundation, corporations such as Standard Chartered Bank and KKR, international non-profits such as Oxfam and World Vision, multilateral institutions such as the Asian Development Bank, UN Agencies such as UNDP, and government agencies such as USAID and SIDA.

About the role:

IIX is hiring a Senior Director for Credit Portfolio Management to lead the full credit lifecycle for lending products, including the Women’s Livelihood Bond portfolios. This role encompasses origination, credit monitoring, risk assessment, and debt recovery, ensuring portfolio health and sustainable growth. The Senior Director will oversee existing loan portfolios, assess new borrowers, and guide teams across these critical areas.

Key Responsibilities:

1. Origination and Sourcing:

2. Credit Monitoring and Risk Assessment:

3. Workout and Recovery:

4. Legal and Compliance:

5. People and Operational Management:

6. Strategic Initiatives:

Qualifications for the Senior Director position:

Required:

• Bachelor's degree: MBA or an advanced degree preferred
• At least 20 years of direct credit experience in a lending institution; SME lending a plus; emerging markets experience is also preferred
• Experience in South and Southeast Asian markets is required
• Strong quantitative skills, expert problem-solving ability, adeptness in the use of logic
• Excellent financial analysis skills
• Demonstrable capability to report findings clearly, concisely, and persuasively.
• Strong interpersonal skills; Relationship management and client-facing experience a plus
• Excellent written and verbal communication; Demonstrated ability to prepare written memos and reports fluently in English
• High comfort level working in a relatively flat, non-hierarchical environment

• Demonstrate strong leadership skills, a proven track record in team management, and the ability to inspire and motivate others.

Preferred:

• Experience living and working in a variety of cultures, particularly in Asia. 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 (including renewable energy, sustainable
• Agriculture, inclusive finance, technology access, rural healthcare services, education)
• Fluency or proficiency in one or more regional languages
• Willing to travel around South & Southeast Asia

Only shortlisted candidates will be contacted by IIX Talent Acquisition team. Your personal data maybe collected but it will be used for recruitment purposes only.

"IIX is an equal opportunity employer"