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 launch 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
The Investments Associate, will be part of Credit Saison México’s Investments team, with a primary focus on the analysis and execution of private credit transactions. The role combines day-to-day transaction leadership, hands-on financial and credit analysis, and coordination across the transaction process.
This Associate may serve as the day-to-day lead for assigned transactions and will work closely with other Investments team members across due diligence, financial modeling, transaction analysis, investment materials, and preparation for Credit Committee. The role requires someone who can both perform detailed analytical work and keep a transaction organized and moving forward.
Key Responsibilities
- Lead or support the day-to-day execution of private credit transactions, coordinating timelines, information requests, sponsor follow-up, and internal workstreams.
- Conduct detailed financial, business, credit, and portfolio analysis to assess borrower performance, repayment capacity, key risks, and transaction viability.
- Build, adapt, and review financial models, including cash flow projections, stress scenarios, collateral coverage, transaction life-span analysis, and structured credit cash flows.
- Analyze portfolio performance through delinquency trends, vintage and cohort analysis, concentrations, eligibility criteria, and other transaction-specific metrics.
- Lead or participate in desk and on-site due diligence, identify key areas for validation, and develop targeted questions based on the analysis performed.
- Prepare and develop the Credit Approval Memorandum, translating detailed analysis into clear conclusions, key risks, mitigants, and investment recommendations.
- Contribute to transaction structuring, including collateral protections, financial covenants, eligibility criteria, and other structural safeguards.
- Coordinate with Risk and other internal teams to address questions, resolve analytical gaps, and prepare the transaction for Credit Committee.
- Prepare or support the preparation of the Commitment Letter and ensure consistency with the approved transaction terms.
- Present or support the presentation of investment recommendations to Credit Committee and incorporate required changes following approval.
Decision-Making and Escalation
The Associate is expected to exercise independent judgment in managing day-to-day transaction execution, identifying analytical gaps, prioritizing workstreams, and developing recommendations.
Material credit concerns, significant changes to transaction structure or commercial terms, sensitive sponsor matters, and issues that could materially affect the investment recommendation should be escalated to the VP of Investments.
Skills and Qualifications
- Approximately 5+ years of relevant experience in private credit, structured finance, credit analysis, rating agencies, investment banking, corporate banking, specialty finance, or a related field.
- Strong financial modeling skills, particularly in cash flow forecasting, stress testing, collateral analysis, transaction repayment scenarios, and structured credit.
- Strong financial statement and credit analysis skills, including the ability to assess profitability, leverage, liquidity, funding, repayment capacity, and key business risks.
- Ability to analyze portfolio-level data and identify meaningful trends, concentrations, credit deterioration, and performance differences across cohorts or segments.
- Strong written analytical skills and the ability to translate detailed analysis into clear conclusions and investment recommendations.
- Strong organization and project management skills, with the ability to drive multiple transaction workstreams, follow-ups, and deadlines.
- Sound judgment, initiative, and the ability to identify issues and escalate them appropriately.
- Strong interpersonal skills and confidence interacting with clients, senior management teams, and internal stakeholders.
- Full professional proficiency in English and Spanish.
- Advanced proficiency in Microsoft Excel and PowerPoint.
- Bachelor’s degree in Finance, Economics, Actuarial Science, Engineering, Mathematics, Accounting, or a related field.
Preferred Experience
- Experience with private debt, secured lending, structured finance, asset-backed, or receivables-based transactions.
- Experience building or reviewing transaction cash flow, collateral coverage, borrowing base, waterfall, or similar structured credit models.
- Familiarity with financial institutions, FinTechs, SOFOMs, leasing companies, or specialty lenders in Mexico.
- Experience preparing credit or investment committee materials and participating in due diligence.
- Experience working with large portfolio or loan-level datasets.
- Python, SQL, CFA, or other relevant technical or professional qualifications are a plus.
We are looking for an investment professional with strong financial modeling and credit analysis skills who can also lead the day-to-day execution of a transaction. The ideal candidate is comfortable building and reviewing cash flow models, stress scenarios, collateral coverage and structured repayment analyses, while also interpreting portfolio performance, financial results and key credit risks.
They should be organized, proactive and able to manage multiple workstreams, challenge assumptions, identify issues early and translate detailed analysis into clear investment recommendations. Experience in private credit, structured finance, rating agencies, investment banking or specialty finance is particularly relevant.
What we offer
- Competitive salary and benefits above the law
- 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.
- Attractive career path with potential for long-term advancement as we growth the operations and company.
Job Type: Full-time
Pay: $52,000.00 - $62,000.00 per month
Application Question(s):
- We’re located in the Nápoles area of Mexico City, near the WTC. Would you be comfortable commuting to this location three times a week?
- Please indicate your expected monthly salary in MXN.
Work Location: Hybrid remote in 03810, Nápoles, CDMX
