IMPACT CREDIT SOLUTIONS

Attractive risk-adjusted returns relative to other investment opportunities

Impact Credit Solutions (“ICS”) is a technology-driven institutional investor that invests in productive consumer and small business loans in Southeast Asia originated through alternative lending platforms. We combine deep expertise in alternative lending with best-in-class technology solutions to bridge international capital markets with underserved communities in Southeast Asia. We provide our platform partners with long-term capital to allow them to scale their businesses sustainably, while providing our investors with stable, downside protected returns. We believe in profit with purpose and seek to build longterm relationships with partners who share our values beyond financial returns.

INVESTORS

Our investors are financial institutions, asset managers, family offices and other accredited investors seeking to access consumer and small business lending in Southeast Asia. We work with our partner platforms to deploy investor funds to consumer and small business loans, enabling investors to receive attractive risk-adjusted returns through a combination of competitive loan pricing and structured risk protection. Additionally, consumer and small business lending provides portfolio diversification benefits given their low correlation to traditional asset classes. From a social impact perspective, investors have the opportunity to drive financial inclusion and economic development in Southeast Asia.

PLATFORMS

Our partner platforms include marketplace lending platforms, balance sheet lenders and other lending-related originators. We work closely with our partners, enabling them to scale their loan origination volumes efficiently and sustainably. We also help with strategy, improving core lending processes by sharing our local expertise and providing insights on international best practices where applicable, and developing lending programs with third parties. We seek to build long-term relationships with a select group of platforms that shares our values beyond just financial returns. We want to help them grow into world-class businesses that also positively impact their local communities, driving financial inclusion and economic development through responsible lending practices.

CREDIT FUNDS

The credit gap for small businesses in Indonesia is over US$160 billion.
We currently have three funds targeting to launch this year to close this gap.

INDONESIAN
RESILIENCE FUND

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Provide loans to the healthcare and essential goods delivery sectors to help protect the Indonesian economy against the health and economy impact of COVID-19.

INDONESIAN
AGRICULTURE FUND

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Provide loans to agriculture sector in Indonesia to enable small hold farms sustainably grow their business.

INDONESIAN
IMPACT FUND II

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Provide loans to small businesses in Indonesia through technology enabled partners with a focus to fund small business growth and employment.

REINIER MUSTERS

CHIEF EXECUTIVE OFFICER

Prior to ICS, Reinier was a Founding Partner of Orange Growth Capital, a venture capital firm focused on Fintech. Previously, Reinier was a Partner at McKinsey & Co. and spent the bulk of his time serving high-tech and financial service clients. Reinier graduated with a B.A. in Economics from Stanford University, an M.B.A. from INSEAD and is a Kauffman fellow. He also co-founded a non-profit foundation matching young professionals with non-profit organizations in the Netherlands.

JONATHON AUSTIN

CHIEF TECHNOLOGY OFFICER

Jon has over twenty years of experience in technology and financial services. After moving to Singapore in 2010, Jon worked at Standard Chartered Bank, where he designed technology architecture solutions and sat on governance committees defining group strategy. Jon moved to JPMorgan Chase in 2015, where he was a Vice President, overseeing the technology resiliency management program. Prior to ICS, Jon was a Principal Solution Architect and Transformation Lead at Amazon Web Services, where he delivered solution architecture for bespoke cloud projects, C-level advisory on digital transformation, and drove policy discussions with financial services regulators. He holds a Masters of Management from Charles Sturt University.

ARASH GOURTANI

CHIEF ANALYTICS OFFICER

Arash has a decade of experience in research and development of advanced risk models in smart energy and finance. Prior to ICS, he was a lead data scientist at Funding Circle and a senior risk modeller at Barclays, where he focused on credit risk models and portfolio optimisation. Arash holds a B.Sc. from University College London, an M.Sc. from the London School of Economics, and a Ph.D. in mathematics from the University of Southampton.

MACKENZIE TAN

CHIEF OPERATING OFFICER & HEAD OF LEGAL

Upon receiving his Doctor of Law from Harvard Law School, Mackenzie began his career at two leading international law firms in New York and Singapore. His practice covered M&A and capital markets, with a focus on structured finance and securitization across several asset classes, including online marketplace loans. Prior to ICS, Mackenzie was a consultant with The Boston Consulting Group, where he focused on digital strategy, transformations, and route-to-market in Indonesia and Singapore.

CONTACT US!

If you are a platform looking to partner, an investor
looking to invest, or a talented professional looking
for an opportunity, please contact us.