About the Company
Credit Saison Mexico, S.A. de C.V., SOFOM, E.N.R. ("CSMX") is a member of Credit Saison (CS) Group, a large Japanese non-bank with an AUM of USD $30bn engaging in credit card issuing/acquiring, SME financing, real estate financing, and various Fintech investments and alternative impact finance. Over the recent years, Credit Saison has been successfully ramping up its private debt investments in Southeast Asia, India, and Latin America.
Credit Saison Mexico was established in 2023 to establish its operations in the country. CSMX’s vision is to be an investor at the intersection of inclusion & innovation. Its mission is to catalyse positive and inclusive development by investing, in the form of senior debt, in sustainable solutions that enable fair and equitable access to resources. These investments are made with the intention to generate a positive impact alongside a financial return. By leveraging its expertise, CSMX aims to increase access to financial services to underserved Mexican populations and businesses by providing impactful and tech-enabled FIs and companies with access to financing solutions.
About the Role
As a Structuring & Risk Associate, you will be responsible for portfolio- and structure-level analysis across our private debt transactions. Your work will include designing SPV/trust cash flow waterfalls, setting and testing portfolio covenants, building IRR and stress-testing models, and drafting key structuring materials for both screening decks and Credit Approval Memos (CAMs). You will collaborate closely with the Origination & Analysis team to translate loan-level inputs into robust, resilient transaction structures.
What You Will Do (Key Responsibility Areas (KRAs))
- Responsible for lead and assist on debt investment activities (e.g., DD, execution, analysis, material preparation).
- Structuring deals, analyse and assist in presenting the investment proposals to our Credit Committee.
- Coordinate and perform Due Diligence over the possible clients (Financial Institutions / Operating Leasing Co)
- Perform detailed financial and historical portfolio analysis at the entity level and underlying portfolio. Definition of eligibility criteria and key financial covenants to minimize risk and structural features.
- Performing and/or leading quantitative and qualitative analysis of prospective investment opportunities, including financial (modelling default and cash flows), credit risk assessment, industry research and operational analysis.
Requirements
What You Will Bring (Skills & Qualifications)
At least 5 years of experience in structured finance, rating agency, impact investment, or investment banking (preferably Private Credit, Secured Lending or Asset Backed / Receivable-based securitizations).
- Quantitative and analytical thinking with strong financial modelling skills, investment writing and interpersonal skills
- Team oriented. Excellent hard skills, soft skills, knowledge & mindset to fulfil the scopes described above as an investment professional.
- Bilingual proficiency in Spanish and English for reading, listening, writing & speaking (English - CEFR C1).
- University Degree in Actuary, Economics, Finance, Engineering or related field.
Nice to have:
- Master’s degree in business or finance
- Knowledge about the Mexican Financial System
- Passion for finance and analysis with the ability of high order thinking
- Knowledge about econometrics, financial modelling, and programming R, Python
- CFA or similar certification is a plus
Benefits
What we offer
- Competitive salary and benefits above the law
- Opportunity to build up our business in Mexico
- An engaging work environment with a passionate and talented international team in a fast-growing sector
- Mission-oriented and intellectually stimulating projects and constant challenges for growth
- Flat management structure with significant exposure to senior leaders and decision-makers across the globe
- Attractive career path with potential for long-term advancement as we growth the operations and company