ABOUT INKOMOKO

Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.

In 2026, Inkomoko was listed by the Financial Times as the 5th fastest-growing company in Africa, supporting entrepreneurs across East and Central Africa to grow thriving businesses and build inclusive, resilient economies.

Founded in 2012, Inkomoko has worked with more than 100,000 entrepreneurs, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change.  We are the largest investor to refugee entrepreneurs in Africa. 

Inkomoko has 900+ staff in 40 offices across Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Through Inkomoko’s 2030 strategic plan, we are adding 3 additional countries to serve more than 550,000 entrepreneurs and growing our $30M loan fund to impact 7M lives.

INKOMOKO VALUES

All staff at Inkomoko are connected to a shared set of organizational values:

• Purpose: be solutions-oriented, produce high-quality work, and be a global leader.
• Achievement: push yourself to reach beyond what you previously thought possible. 
• Improvement: be humble, engage in continuous growth through open & accurate feedback
• Bravery: willing to take risks, create a safe space for others, be compassionate, and inclusive.
• We Eat Goat:  we celebrate success and support each other in hard times. We do this work together in the spirit of turikumwe, tuko pamoja, abren nen, Kula na sawa, On est ensemble.
  

Inkomoko is an affirmative action/equal opportunity employer.  Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply.  

ABOUT THE OPPORTUNITY AND RESPONSIBILITIES

The 2 Senior Investment Officer will support the effective delivery of Inkomoko’s investment activities by providing oversight to Investment Associates, conducting and reviewing borrower due diligence, supporting credit decision-making, managing portfolio quality, strengthening client relationships, and ensuring effective use of lending systems and processes.

The role combines team leadership, credit analysis, portfolio management, client engagement, and operational oversight to ensure that investment activities are delivered effectively, responsibly, and in line with Inkomoko’s Credit Policy, applicable regulations, and organizational standards.

Key Responsibilities:

MANAGEMENT – 20%

• Coordinate Investment Associates, set work plans, monitor performance, and maintain regular staff check-ins.
• Monitor key goals and develop practical strategies to achieve agreed targets in line with budget, policies, and organizational culture.
• Work with the Investment Manager and Head of Investment to plan and manage staffing, budget, and other resources required to deliver investment outcomes.
• Interpret and ensure compliance with applicable donor requirements, internal policies, laws, and regulations.
• Ensure staff under supervision comply with P&C policies, the Credit Policy, and other relevant organizational procedures, and support appropriate corrective action where required.
• Promote and reinforce organizational values and culture within the team.
• Represent the organization professionally in stakeholder and government meetings or events when delegated or in the absence of the Investment Manager.
• Act for the Investment Manager in their absence when assigned.
• Escalate significant portfolio trends, operational risks, performance concerns, and other material issues to management in a timely manner.

DUE DILIGENCE & CREDIT PREPARATION – 40%

• Respond to prospective borrower inquiries and support eligible clients through the investment application process.
• Present investment products to entrepreneurs and clearly explain eligibility requirements, repayment obligations, and the responsibilities associated with debt financing.
• Support access to investment products for SMEs, refugees, and host-community entrepreneurs.
• Conduct and/or review due diligence on prospective borrowers, including business visits, document verification, financial and credit analysis, and coordination with Investment Associates.
• Assess repayment capacity, investment purpose, credit history, collateral where applicable, and key business risks before making a recommendation.
• Ensure investment files are complete, accurate, and compliant with Credit Policy requirements before submission for approval.
• Communicate relevant analysis and documentation to the Investment Manager and Head of Investment and support preparation of credit reports and recommendations for Investment Committee review.
• Support appropriate client documentation, including entrepreneur photos, consent/photo waivers, and Kiva stories where applicable.

PORTFOLIO MANAGEMENT – 20%

• Provide excellent customer service through regular communication, correspondence, and client visits, while maintaining professional relationships with borrowers.
• Conduct and coordinate post-disbursement monitoring to confirm appropriate use of funds, business performance, and emerging repayment risks.
• Track borrower performance and communicate material changes in client status to relevant stakeholders.
• Actively participate in portfolio review meetings and contribute to actions aimed at maintaining portfolio quality.
• Maintain accurate tracking of borrower repayments, arrears, contact information, and agreed follow-up actions.
• Coordinate with Recovery, Finance, and other relevant teams on repayment follow-up, reconciliations, and resolution of portfolio issues.
• Engage relevant government authorities, legal/court actors, refugee and host-community stakeholders, and other parties when required for portfolio follow-up.
• Ensure lending activities comply with requirements from Kiva, BNR, RDB, CRB, and other applicable regulatory or funding partners.
• Maintain up-to-date knowledge of investment products, credit processes, portfolio standards, and relevant regulatory requirements.

LOAN MANAGEMENT SYSTEMS & OPERATIONS – 20%

• Maintain strong proficiency in loan management systems and related lending applications.
• Work with system providers and internal teams to improve system use, streamline lending processes, and strengthen accuracy, efficiency, and compliance.
• Support system configuration and process design to meet the operational needs of investment and related departments.
• Administer or support appropriate user access and security controls within loan management systems.
• Oversee accurate loan input/system boarding and verification procedures.
• Promote proper segregation of duties and maintain clear workflows across loan processing, disbursement, repayment, and closure stages.
• Advise management on opportunities to automate and improve key investment and lending processes.
• Oversee relevant loan operations, including payment posting, payoffs, balancing, and disbursement controls, as assigned.
• Ensure Investment Associates and other relevant staff receive timely communication on procedural and system changes.
• Participate in the review and improvement of operational systems and procedures to strengthen data quality, accuracy, and efficiency.
  

GENERAL RESPONSIBILITIES

• Perform other duties reasonably assigned by the supervisor in support of the Investment Department and organizational objectives.
• Maintain confidentiality, integrity, professionalism, and sound judgment when handling client, credit, and organizational information.
• Contribute to continuous improvement of investment processes, portfolio quality, client experience, and team performance.
• Other duties as assigned by the supervisor.

Requirements

WHO WE ARE LOOKING FOR

The 2 Senior Investment Officers will play a key role in supporting Inkomoko’s investment activities and building strong relationships with clients, while ensuring sound credit assessment, portfolio quality, and effective lending operations. Basic qualifications include:

• Bachelor’s degree or equivalent qualification in Finance, Accounting, Economics, Business Administration, or a related field.
• Relevant experience in investment, lending, credit, financial analysis, portfolio management, or a related field.
• Demonstrated experience in conducting or reviewing due diligence, financial and credit analysis, and assessing repayment capacity and business risks.
• Experience coordinating or supervising staff, monitoring performance, and working towards agreed targets.
• Knowledge of credit policies, loan management processes, portfolio standards, and applicable regulatory requirements.
• Experience using loan management systems and related lending applications.
• Ability to work effectively with SMEs, refugees, host-community entrepreneurs, government authorities, partners, and other stakeholders.
• Strong analytical, communication, problem-solving, organizational, and relationship management skills.
• Demonstrated integrity, confidentiality, professionalism, and sound judgment when handling client, credit, and organizational information.

Competencies

We are looking for someone with;

• Strong financial and credit analysis skills.
• Strong portfolio management and risk assessment skills.
• Ability to interpret policies, procedures, regulatory requirements, and financial information.
• Strong team coordination and people management skills.
• Strong client relationship and communication skills.
• Ability to use data and technology to improve lending processes and operational efficiency.
• Strong attention to detail and ability to manage multiple priorities.
• Sound judgment and ability to escalate material risks appropriately.
• Commitment to inclusion, integrity, professionalism, and responsible investment practices.

SENIOR ASSOCIATE/ADVISOR
We are looking for someone who;

• Instills Trust - Follows through on commitments, builds credibility by being direct and truthful, and shows genuine care for staff members.
• Acts with Courage - Steps up to address difficult issues and speaks openly with bravery; takes the initiative to pursue new opportunities; takes full ownership of own work
• Makes Informed Decisions - Seeks relevant data and input when needed, takes appropriate action within their area of responsibility, and knows when to escalate issues or seek guidance.

Benefits

WHAT YOU’LL GET

This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:

• Meaningful work that directly contributes to sustainable livelihoods and job creation across East and Central Africa.
•  Competitive salary, and potential Performance-based bonus
• Incredible company culture, with opportunities for learning and growth
• Diverse colleagues across the region, and policies that demonstrate commitment to equity and inclusion
• A dynamic and entrepreneurial team environment committed to innovation and social impact
• Health insurance for self and family
• Staff savings and provident fund, negotiated bank rates for long-term employees
• Generous annual leave, parental leave, and sabbatical options.

TO APPLY

If you’re excited about this role, please submit your application, and tell us why you are the right fit for this opportunity.

DEADLINE:  04 September 2026. Applications are reviewed on a rolling basis, please apply as soon as possible!

Inkomoko is committed to justice, diversity, equity and inclusion.  As we seek to reflect the communities we serve, refugees and women are strongly encouraged to apply. As a company we have policies that ensure fair treatment in the application process.

NB: Only shortlisted candidates will be contacted. Employment is conditional upon successful background checks and other verification as needed.

All offers of employment will be subject to satisfactory references and background screening checks. Inkomoko also participates in the Inter Agency Misconduct Disclosure Scheme, In line this Scheme, we will request information from job applicants’ previous employers about any findings of sexual misconduct, fraud, or abuse. By applying, the job applicant confirms his/her understanding of these recruitment procedures.