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 VALUESAll 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 applicationsWork 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 accessEnsure proper segregation of duties, develop and maintain work flows for all stages of investment Advise the Management team how to automate key lending processesEnsure posting of payment, payoffs, and balancing in Core Banking SystemParticipates in the review and recommendations of operational systems and proceduresSuccessfully interact with lending staff to improve accuracy and efficiencies of Investment management system Prepare related reports and administer the systemOther duties as assigned by supervisor RequirementsInvestment officer will be a trusted partner of Inkomoko Kenya clients, and basic qualifications Include:University degree in Finance or other related field,Must speak fluent English and Swahili. Knowledge of local language is a plus,Experience in Islamic lending and practice is an added advantageStrong financial and accounting skills; familiarity with business financial policies in KenyaExperience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred,Prior experience dealing with customers/debt,Prior experience in a lending environment,Experience providing business advice to entrepreneurs,Prior experience in Investment 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,4+ years of work experience in relevant or applicable field,Must be able to legally work in Kenya. COMPETENCIESWe 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 workMakes 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.BenefitsWHAT YOU’LL GETThis role is a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes a great working environment and competitive compensation:Competitive salary, and potential performance-based bonusBenefits including health insurance, annual leave, staff savings program, parental leave for men and women, sabbatical program, and more.Incredible company culture, including deep investment in your learning and growth, and opportunities for career growth; Opportunity to work with a talented team of professionals across the region; Ability to make a significant social impact and contribute to economic growth; TO APPLYIf 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.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.

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

Requirements

Investment officer will be a trusted partner of Inkomoko Kenya clients, and basic qualifications Include:

• University degree in Finance or other related field,
• Must speak fluent English and Swahili. Knowledge of local language is a plus,
• Experience in Islamic lending and practice is an added advantage
• Strong financial and accounting skills; familiarity with business financial policies in Kenya
• Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred,
• Prior experience dealing with customers/debt,
• Prior experience in a lending environment,
• Experience providing business advice to entrepreneurs,
• Prior experience in Investment 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,
• 4+ years of work experience in relevant or applicable field,
• Must be able to legally work in Kenya.
  

COMPETENCIES
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 a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes a great working environment and competitive compensation:

• Competitive salary, and potential performance-based bonus
• Benefits including health insurance, annual leave, staff savings program, parental leave for men and women, sabbatical program, and more.
• Incredible company culture, including deep investment in your learning and growth, and opportunities for career growth;
• Opportunity to work with a talented team of professionals across the region;
• Ability to make a significant social impact and contribute to economic growth;

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.

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.

ABOUT INKOMOKO Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.Founded in 2012, Inkomoko has worked with more than 60,000 entrepreneurs across East and Central Africa, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest lender to refugee entrepreneurs in Africa. Inkomoko has 650+ 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 VALUESAll 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. Persons who reflect the diverse communities we serve are strongly encouraged to apply.

ABOUT INKOMOKO

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

Founded in 2012, Inkomoko has worked with more than 60,000 entrepreneurs across East and Central Africa, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest lender to refugee entrepreneurs in Africa.

Inkomoko has 650+ 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. Persons who reflect the diverse communities we serve are strongly encouraged to apply.