Recovery Associates - Musanze and Gisagara

ABOUT INKOMOKO IInkomoko 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 900+ 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, 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 feedbackBravery: 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 ensembleInkomoko 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 ROLE & RESPONSIBILITIESWe are hiring for 2 Recovery Associates to be based in Musanze and Gisagara and their key responsibility will be to alert, follow up, recover defaulted loans by conducting site visits, coordinating with local authority, manually settling overdue, blocking accounts of overdue clients, and solving the problems with overdue and defaulted clients. Specifically the Recovery associate responsibilities include:Loan monitoring (40%)Monitor the credit portfolio and evaluate the risk of potential default while recommending recovery solutionsIdentify and escalate repayment irregularities for further management actionPreparation of monthly portfolio report for Management decisionEvaluate product performance through collection and data analysisProvide weekly report on turnover on loan accountsMaintain an effective trigger reporting system of credit impairments and propose corrective actionsProvides support to Loan officers, loan managers and compliance officers on Non-performing loansCall, visit and send periodic reminders to loan customers on scheduled repaymentsConduct post disbursement spot checks on customers to confirm loan performance and utilizationMonitoring defaulters' repayments to stop recurrent non-complianceMaintain PAR level in compliance with CBK regulationsFollow up with Finance department to reconcile payments received and real time transaction postingsResponsible for achieving monthly PAR targetNegotiate payment plans with defaultersInitiate receivership process with the lawyerDebt recovery (30%)Monitor allocated portfolio of default loans facilities to determine reasons for delinquency by application of sound credit judgment, collections strategy and process within predetermined broad policy guidelines and regulation to minimize credit lossesMaintain a consistent reduction of non-performing debts through aggressive recoveries and viable restructuring optionsUndertake regular and frequent calls, site visits, and follow-ups with the borrowers to implement remedial strategies and action plans for loan recoveryInitiate demand and reminder letters to all defaulting customers and review all credit files for proper documentation and monitoringCustomer Engagement ( 10%)Maintain professional relationships with borrowers while pursuing recovery objectives.Advise clients on repayment options and obligations.Address client inquiries on customer overdue loans.Reporting (10%)Compute weekly PAR report including; product, individuals and SMES PAR analysisPreparation weekly, monthly and quarterly recovery reports for credit reviews.Provide updates on recovery progress, challenges and recommendations..Analyze recovery trends and suggest improvement measures.Legal and compliance support (10%)Prepare and update accounts for legal action when necessary.Ensure compliance to Inkomoko’s Credit Policy and Procedures regarding management of debt recovery processEnsure effective compliance standards are consistently met with both internal and external regulatory requirements by working closely with lawyerDevelop and continuously review credit and recovery policies and procedures ensuring their complianceRequirementsWHO WE ARE LOOKING FORThe Recovery Associate will be a trusted partner of Inkomoko Capital clients, and basic qualifications Include:University degree in Finance or other related fieldMust speak fluent English and KinyarwandaA minimum of 3 year of work experience in group savings and group lending Experience in loan management, microfinance, capital leases, and access to finance for Micro and Small businesses is STRONGLY preferredPrior experience dealing with customers/debt in a lending environmentExperience providing business advice to entrepreneursPrior 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 debtExperience in managing difficult clients and reaching positive outcomesVery strong attention to details and good follow throughComfort with the civil court system, and previous experience in litigation preferredUnrelenting perseverance, personal integrity, and critical thinking skillsKey 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.BenefitsWHAT YOU’LL GETThis role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:Competitive salary, and potential Performance-based bonusIncredible company culture, with opportunities for learning and growthDiverse colleagues across the region, and policies that demonstrate commitment to equity and inclusion Ability to make a significant social impact to your communityHealth insurance for self and familyStaff savings and provident fund, negotiated bank rates for long-term employeesGenerous annual leave, parental leave, and sabbatical options. TO APPLYIf you’re excited about this role, please submit your application through the jobs portal (1 page for the cover letter). Tell us about what you’ll bring to this growing company.DEADLINE: 28 August 2026. 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.

ABOUT INKOMOKO

IInkomoko 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 900+ 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, 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 ROLE & RESPONSIBILITIES

We are hiring for 2 Recovery Associates to be based in Musanze and Gisagara and their key responsibility will be to alert, follow up, recover defaulted loans by conducting site visits, coordinating with local authority, manually settling overdue, blocking accounts of overdue clients, and solving the problems with overdue and defaulted clients.

Specifically the Recovery associate responsibilities include:

Loan monitoring (40%)

Monitor the credit portfolio and evaluate the risk of potential default while recommending recovery solutions

• Identify and escalate repayment irregularities for further management action
• Preparation of monthly portfolio report for Management decision
• Evaluate product performance through collection and data analysis
• Provide weekly report on turnover on loan accounts
• Maintain an effective trigger reporting system of credit impairments and propose corrective actions
• Provides support to Loan officers, loan managers and compliance officers on Non-performing loans
• Call, visit and send periodic reminders to loan customers on scheduled repayments
• Conduct post disbursement spot checks on customers to confirm loan performance and utilization
• Monitoring defaulters' repayments to stop recurrent non-compliance
• Maintain PAR level in compliance with CBK regulations
• Follow up with Finance department to reconcile payments received and real time transaction postings
• Responsible for achieving monthly PAR target
• Negotiate payment plans with defaulters
• Initiate receivership process with the lawyer

Debt recovery (30%)

• Monitor allocated portfolio of default loans facilities to determine reasons for delinquency by application of sound credit judgment, collections strategy and process within predetermined broad policy guidelines and regulation to minimize credit losses
• Maintain a consistent reduction of non-performing debts through aggressive recoveries and viable restructuring options
• Undertake regular and frequent calls, site visits, and follow-ups with the borrowers to implement remedial strategies and action plans for loan recovery
• Initiate demand and reminder letters to all defaulting customers and review all credit files for proper documentation and monitoring

Customer Engagement ( 10%)

• Maintain professional relationships with borrowers while pursuing recovery objectives.
• Advise clients on repayment options and obligations.
• Address client inquiries on customer overdue loans.

Reporting (10%)

• Compute weekly PAR report including; product, individuals and SMES PAR analysis
• Preparation weekly, monthly and quarterly recovery reports for credit reviews.
• Provide updates on recovery progress, challenges and recommendations..
• Analyze recovery trends and suggest improvement measures.

Legal and compliance support (10%)

• Prepare and update accounts for legal action when necessary.
• Ensure compliance to Inkomoko’s Credit Policy and Procedures regarding management of debt recovery process
• Ensure effective compliance standards are consistently met with both internal and external regulatory requirements by working closely with lawyer
• Develop and continuously review credit and recovery policies and procedures ensuring their compliance

Requirements

WHO WE ARE LOOKING FOR

The Recovery Associate will be a trusted partner of Inkomoko Capital clients, and basic qualifications Include:

• University degree in Finance or other related field
• Must speak fluent English and Kinyarwanda
• A minimum of 3 year of work experience in group savings and group lending
• Experience in loan management, microfinance, capital leases, and access to finance for Micro and Small businesses is STRONGLY preferred
• 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

Key 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 (1 page for the cover letter). Tell us about what you’ll bring to this growing company.

DEADLINE: 28 August 2026. 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.

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.