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 is a non-profit that has worked with more than 100,000 entrepreneurs, including thousands of refugee businesses. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change to drive impact for our clients. We are the largest investor to refugee entrepreneurs in Africa.
Inkomoko has 780+ staff in 45 offices across Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Through Inkomoko’s 2030 strategic plan, we are adding 3 additional countries to positively impact 7M people, by serving more than 550,000 entrepreneurs and growing our $30M loan fund.
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 & RESPONSIBILITIES
Inkomoko seeks a highly talented and experienced Investment Associate to coordinate and work directly with our entrepreneur clients across Mahama/Kirehe. The position will report to the respective Senior Investment Associate and they will be responsible for the items below:
DUE DILIGENCE AND INVESTMENT PREPARATION (60%)
- Respond to inquiries from prospective borrowers; support them to apply for our facility/investment products.
- Introduce investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
- Conducts investment appraisals, collects detailed information (personal, business, and guaranties), and arranges to open a new investment account.
- Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Advisors and Business Associates, etc.
- Ensure proper segregation of duties, develop and maintain work flows for all stages of investment
- Communicate all loan related information to the supervisor and assist in preparing credit reports.
- Take photos of entrepreneurs, have them sign consent waivers, and ensure entrepreneurs’ stories are posted on the Kiva platform for fundraising with correct information.
PORTFOLIO MANAGEMENT (20%)
- Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.
- Work with the Inkomoko Business Development Services team to ensure borrower success, and visit clients for monitoring purposes.
- Maintain both delinquency and default rates below set rates during annual goal setting,
- Track information about borrowers and communicate effectively with key stakeholders about client statuses.
- Actively participate as a key staff in weekly Portfolio Review Meetings.
- Maintain a tracking system of borrower payments and contact information.
- Work with the Finance & Admin team to provide invoices for payments and monthly reconciliation of investment department transactions.
- Interact with government leaders, court systems and others for follow up on lack of payments.
- Ensure that we are adhering to the requirements of our Partners, including reporting and journaling.
- Other duties as assigned by the supervisor.
INVESTMENT MANAGEMENT SYSTEM (20%)
- Update both disbursements and investment repayments in the Investment Management System
- Maintain and demonstrate proficiency with investment software applications
- Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance
- Assist with system parameters and design to meet the needs of multiple departments
- Manage user security access
- Advise the Management team how to automate key lending processes
- Supervise all aspects of the investment operations
- Successfully interact with lending staff to improve accuracy and efficiencies of Investment management system
- Prepare related reports and administer the system
- Other duties as assigned by supervisor
Requirements
WHO WE ARE LOOKING FOR
- Must hold a University degree in Finance or other related field
- Must have at least 3 years of work experience in loan management, microfinance, capital leases, and access to finance for Micro and Small businesses is STRONGLY preferred
- Must be fluent English and Kinyarwanda
- Experience in group savings and group lending is strongly preferred
- Experience in group lending products developments
- Prior experience dealing with customers/debt in a lending environment
- Experience providing business advice to entrepreneurs
- Prior experience in Loan management system software
- Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
- Experience in managing difficult clients and reaching positive outcomes
- Very strong attention to details and good follow through
- Comfort with the civil court system, and previous experience in litigation preferred
- Unrelenting perseverance, personal integrity, and critical thinking skills
Competencies:
We are looking for someone who;
- Manages Diverse Relationships – Relates well to a wide variety of personalities, values differences, and communicates effectively across diverse communication styles, cultures, and backgrounds.
- Takes initiatives to Deliver – Thinks several months in advance, prioritizes objectives, implements reliably, and quickly identifies what will help or hinder goal accomplishment.
- Fluent in Technology – Uses technology effectively to work efficiently and achieve desired outcomes.
Benefits
WHAT YOU’LL GET
This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:
- 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
- Ability to make a significant social impact to your community
- 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 through the jobs portal. Tell us about what you’ll bring to this growing company.
DEADLINE: 5th December 2025. 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 with 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.
