ABOUT INKOMOKO

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

In 2025, Inkomoko was listed by the Financial Times as the 8th 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 800+ staff in 50 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, 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, 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, urang babarengan.

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

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.

Competencies

We are looking for someone who;

• Synthesizes Data - Leverages key information, data, and insights to enhance both client and team member experiences.
• Adapts Approach to Situations - Adjusts the team's approach to meet the shifting demands of impact; able to quickly adapt to suit the context and drive to positive outcomes for their department.
• Enhances Competitive Advantage - Creates new and better ways to drive organizational success, with a future-focused mindset (at least 2 years ahead), through innovation and leveraging external relationships and opportunities.
• Uses his/her Technical expertise to coach and guide staff to meet and exceed expectations.

WHAT YOU’LL GET:

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

• Competitive salary, and potential Goal-based bonus
• Incredible company culture, including deep investment in your learning and growth
• Diverse colleagues and policies that show our commitment to equity and inclusion
• Talented, passionate, and committed team of colleagues across the region
• Ability to make a significant social impact to your community
• Health insurance, staff savings, parental leave, sabbatical, and more benefits.

• 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

• Synthesizes Data
• Adapts Approach to Situations
• Enhances Competitive Advantage
• Uses his/her Technical expertise to coach and guide staff to meet and exceed expectations.
• Financial analysis
• Risk assessment
• Credit evaluation
• Verbal and written communication
• Presentation skills
• Relationship building
• Negotiation
• Influencing skills

• 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.
• 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.
• 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.