Investment Officer - Garissa & Dadaab

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 850 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 and produce high-quality work and be a global leader.
• Achievement: push yourself to reach beyond what you think is possible.
• Improvement: be humble and committed to continuous learning and growing through giving and receiving open and accurate feedback.
• Bravery: willing to take risks, create a safe space for others, be compassionate, inclusive.
• Turikumwe/Tuko Pamoja/ Abren Nen (“We are together”): appreciate your colleagues, celebrate success, and support each other in hard times.

Inkomoko reflects the communities we serve. Displaced persons and women are strongly encouraged to apply.

ABOUT THE OPPORTUNITY & RESPONSIBILITIES

Inkomoko Kenya Investment Officer is responsible for the items below: This position will be based in both Garissa and Dadaab

DUE DILIGENCE AND INVESTMENT PREPARATION (60%)

• Respond to inquiries from prospective borrowers; support them to apply for our facility/investment products.
• Introduce the investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
• Conducts investment appraisal, collects detailed information (personal, business, and guaranties), and arranges to open a new investment account.
• Prepares and executes investment contracts and arrange for disbursement of investment in kind.
• Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Advisors and Business Associates, etc.
• Communicate all materials to the Portfolio Manager, and assist in preparing credit reports for Investment Committee meetings.
• Take photos of entrepreneurs, have them sign photo waivers, and ensure entrepreneurs’ stories are posted on the Kiva platform for fundraising with all 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 Kenya Business Development Services team to ensure borrower success, and Visit clients for monitoring.
• Maintain both delinquency and default rates below set rates during yearly goal setting,
• Track information about borrowers and communicate effectively with key stakeholders about client status.
• Actively participate as a key staff in the weekly Portfolio Review Meeting.
• Maintain a tracking system of borrower payments and contact information.
• Work with the Finance & Admin team to produce 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 Kiva partnership, including reporting and journaling.
• Other duties as assigned by supervisor

INVESTMENT MANAGEMENT SYSTEM (20%)

• Update both disbursements and investment repayments in the Investment Management System (CBS-powered by mifos)
• 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
• Ensure proper segregation of duties, develop and maintain work flows for all stages of investment
• Advise the Management team how to automate key lending processes
• Ensure posting of payment, payoffs, and balancing in Core Banking System
• Participates in the review and recommendations of operational systems and procedures
• 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