ABOUT THE OPPORTUNITY AND RESPONSIBILITIES

This role is responsible for driving our lending strategies, managing portfolios, and contributing to the overall growth and success of the organization. You will lead a team of lending professionals, collaborate with various departments, and provide strategic insights to optimize our lending opportunities in the Kenyan market. The role requires regular travel to the field locations.

Specifically, the position responsibilities include:

Lending Strategy and Portfolio Growth

• Contribute to the development and execution of lending strategies that expand access to finance for refugees and host communities in Kenya.
• Use portfolio data, demographic trends and performance insights to inform segmentation, product refinement and portfolio growth decisions.
• Work closely with MD Kenya and Director Credit Risk to align lending priorities with country and organisational objectives.

Credit and Portfolio Integrity

• Monitor portfolio performance including demographic metrics, PAR, recovery actions and risk trends.
• Oversee loan appraisal, approval and disbursement in line with Inkomoko standards and delegated authority.
• Ensure documentation, collateral tracking, recovery follow up and reporting standards are upheld across the team.
• Prepare and present regular lending performance reports and present them to senior management, partners, and stakeholders using data driven insights..
• Ensure adherence to Kiva and other partner reporting requirements.
• Conduct client visits where necessary for monitoring and relationship management.

Team Leadership & Technical Discipline

• Lead, coach and develop all lending staff across Kenya locations.
• Set clear performance expectations and conduct performance reviews.
• Build strong investment discipline across the team through mentoring on documentation standards, and recovery practices.
• Ensure consistent use of systems, processes and internal controls while maintaining a healthy portfolio and achieving lending targets.

Compliance, Governance & Risk Management

• Work with Director Credit Risk to define and operationalise credit policies and procedures in alignment with organisation objectives, regulatory requirements and best practice.
• Maintain strong oversight of approval trails, documentation standards and internal controls.
• Support legal registration and regulatory engagement related to lending activities.

External Representation & Partnerships

• Represent Inkomoko in relevant external forums and meetings.
• Identify and cultivate partnerships that support lending programme growth.
• Maintain effective communication with donors and key stakeholders

WHO WE ARE LOOKING FOR:

• A Bachelor's or Master's degree in Finance, Business Administration, or a related field is required. Additional certifications or advanced degrees in finance or risk management is a plus.
• +8 Years of extensive experience in lending, credit risk management, and financial services, preferably in a leadership role. Demonstrated success in developing and executing lending strategies and managing loan portfolios.
• In-depth understanding of lending products, credit risk assessment, loan underwriting, and regulatory requirements.
• Familiar with financial analysis, loan pricing models, and industry trends.
• Strong leadership and management abilities to motivate and guide a team of lending professionals. Excellent decision-making skills, strategic thinking, and the ability to manage competing priorities.
• Proficiency in financial analysis, risk assessment, and credit evaluation. Ability to interpret complex financial data, identify trends, and make data-driven recommendations.
• Excellent verbal and written communication skills to effectively interact with internal and external stakeholders. Strong presentation skills to convey lending strategies and portfolio performance to senior management.
• Proven ability to build and maintain relationships with key stakeholders, such as clients, regulators, and industry peers. Strong negotiation and influencing skills to drive business growth and manage partnerships.

• Contribute to the development and execution of lending strategies that expand access to finance for refugees and host communities in Kenya.
• Use portfolio data, demographic trends and performance insights to inform segmentation, product refinement and portfolio growth decisions.
• Work closely with MD Kenya and Director Credit Risk to align lending priorities with country and organisational objectives.
• Monitor portfolio performance including demographic metrics, PAR, recovery actions and risk trends.
• Oversee loan appraisal, approval and disbursement in line with Inkomoko standards and delegated authority.
• Ensure documentation, collateral tracking, recovery follow up and reporting standards are upheld across the team.
• Prepare and present regular lending performance reports and present them to senior management, partners, and stakeholders using data driven insights.
• Ensure adherence to Kiva and other partner reporting requirements.
• Conduct client visits where necessary for monitoring and relationship management.
• Lead, coach and develop all lending staff across Kenya locations.
• Set clear performance expectations and conduct performance reviews.
• Build strong investment discipline across the team through mentoring on documentation standards, and recovery practices.
• Ensure consistent use of systems, processes and internal controls while maintaining a healthy portfolio and achieving lending targets.
• Work with Director Credit Risk to define and operationalise credit policies and procedures in alignment with organisation objectives, regulatory requirements and best practice.
• Maintain strong oversight of approval trails, documentation standards and internal controls.
• Support legal registration and regulatory engagement related to lending activities.
• Represent Inkomoko in relevant external forums and meetings.
• Identify and cultivate partnerships that support lending programme growth.
• Maintain effective communication with donors and key stakeholders

• Financial analysis
• Risk assessment
• Credit evaluation
• Leadership
• Management
• Communication
• Presentation skills
• Relationship building
• Negotiation
• Influencing skills

• Bachelor's or Master's degree in Finance, Business Administration, or a related field
• Additional certifications or advanced degrees in finance or risk management is a plus