Job Overview

Consultant – Loan Recovery & Restructuring

Job Details

• Type of Work: Contractual/Interim
• Location: Remote (Preference for candidates with experience in India, Kenya, Indonesia, Cambodia, or the Philippines)
• Compensation: Base salary with performance-based incentives linked to loan recovery success

Role Overview

Impact Investment Exchange (IIX) is seeking an experienced Loan Recovery Consultant to lead loan restructuring and recovery efforts for the Women’s Livelihood Bond™ (WLB) Series portfolios. This role requires extensive experience in distressed asset management, loan restructuring, and borrower negotiations within microfinance institutions (MFIs), financial institutions (FIs), or impact investment portfolios.

The consultant will ensure compliance with financial risk management, credit recovery, and debt restructuring regulations across India, Kenya, Indonesia, Cambodia, and the Philippines. This position will involve direct engagement with borrowers, legal advisors, and financial institutions to implement effective recovery strategies.

The compensation package is competitive, with a performance-based bonus structure linked to successful loan recoveries.

Key Responsibilities

Loan Recovery & Restructuring

• Conduct financial due diligence and assess distressed loans to prioritize recovery actions.
• Develop and execute loan recovery strategies, including:
  • Direct negotiations with borrowers for settlements and structured repayment plans.
  • Loan restructuring to balance repayment feasibility with recovery maximization.
  • Collaborating with financial institutions and lenders for effective recovery solutions.
• Engage borrowers to resolve repayment challenges, ensuring adherence to loan agreements.
• Adopt a solution-oriented approach to maximize recoveries while maintaining ethical financial practices.

Regulatory Compliance & Risk Oversight

• Ensure compliance with debt recovery laws and financial regulations in India, Kenya, Indonesia, Cambodia, and the Philippines.
• Monitor regulatory risks related to loan restructuring, borrower negotiations, and asset recovery.
• Work with legal teams and financial regulators to align recovery strategies with local financial laws.
• Maintain proper documentation and reporting for all recovery-related activities.

Performance Metrics (KPIs)

• Loan Recovery Rate: Percentage of recovered loans within defined timeframes.
• Performance of Restructured Loans: Percentage of successfully repaid restructured loans.
• Regulatory Compliance Rate: Adherence to local and international financial recovery best practices.
• Negotiation Success Rate: Effectiveness in securing settlements without legal action.
• Reduction in Non-Performing Loans (NPLs): Measurable decrease in portfolio risk and loan defaults.

Consultant Profile & Qualifications

Required Qualifications

• 15+ years of experience in credit recovery, distressed asset management, and loan restructuring within MFIs, FIs, development finance institutions, or impact investment portfolios.
• Strong knowledge of financial regulations related to loan recovery and restructuring in India, Kenya, Indonesia, Cambodia, and the Philippines.
• Proven expertise in borrower negotiations, loan settlements, and structured repayment strategies.
• Experience managing distressed assets with banks, MFIs, and impact investment funds.
• Proficiency in financial analysis, repayment modeling, and credit risk assessment.
• Fluency in English; additional language skills (Hindi, Swahili, Bahasa Indonesia, Khmer, or Filipino) are a plus.

Why Join IIX?

✔ Make a Direct Impact: Drive high-impact microfinance investments across Asia and Africa.
✔ Competitive Compensation: Base consulting fee with performance-based incentives.
✔ Strategic Role: Work closely with IIX’s leadership, financial teams, and MFIs.
✔ Global Exposure: Engage with leading investors, financial institutions, and impact-driven organizations.
✔ Flexible Work Model: Combination of remote work and on-the-ground borrower negotiations in key markets.

Application Requirements

Interested candidates must submit the following:

1. Cover Letter detailing experience in loan restructuring, distressed asset management, and credit recovery.
2. CV highlighting financial risk mitigation, borrower negotiations, and regulatory compliance expertise.
3. Case Study Portfolio including:
   • Successful loan recovery cases, specifying recovered amounts and timeframes.
   • Performance of restructured loans, demonstrating improved repayment rates.
   • Loan recovery strategies in India, Kenya, Indonesia, Cambodia, or the Philippines.
4. Key References from MFIs, lenders, and financial institutions.

???? Applications will be reviewed on a rolling basis for immediate placement.

About Impact Investment Exchange (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 a robust sustainable investing market through:

• Mobilizing capital, including the Women’s Livelihood Bond™ (WLB) Series.
• Supporting impact enterprises in Asia, Africa, and the Pacific.
• Using IIX Values™, a technology-driven impact verification solution.
• Driving global advocacy and innovation, including the Orange Movement™, which integrates climate action and gender equality in financial markets.

Our Global Impact

???? $500 million+ mobilized in private sector investments.
????‍????‍????‍???? 160+ million lives positively impacted.
???? 1.9+ million metric tons of carbon emissions prevented.
???? 90,000+ MSME sustainability data points collected.

In 2024, IIX launched the world’s first gender-diverse, ESG, and climate action data hub for MSMEs.

???? Awards & Recognition

• UN Global Climate Action Award
• Oslo Business for Peace Award

???? Join IIX and be part of a movement that’s transforming global finance for good!

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