Senior Investment Officer - Jigjiga

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 750+ 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 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 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 AND RESPONSIBILITIESInkomoko Ethiopia Senior Investment Officer is responsible for the items below: Management (20% time)Coordinate loan officer's staff in African Entrepreneur Collective Kenya Limited, setting their work plans, and maintaining weekly staff check-ins.Be aware at all times of key goals and develop daily strategies to achieve those goals in alignment with budget and culture.Work with Loan manager and Portfolio Director to plan and manage the budget, staffing, and other resource needs to deliver program outcomes.Interpret, apply, and ensure departmental compliance with applicable donors and local policies, laws, and regulations.Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.Represent the company in a highly professional manner in stakeholders' and government meetings and events in the absence of a Loan manager.Acting the loan manager in his absence.Elevate important trends, risks, and other notable activities to management.Due diligence and Contracts preparation (40%)Respond to inquiries from prospective borrowers, support them to apply for our loan products.Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.Introduce the loan products to SMEs, Refugees and host community entrepreneurs, Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associate, etc.Communicate all materials to the Loan manager and Portfolio Director and assist in preparing credit reports for Investment Committee meetings.Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.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 African Entrepreneur Collective to ensure borrower success and Visit clients for monitoring.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.Interact with government leaders, cot. Jrt system, refugee's and host communities' stakeholders and others for follow up on lack of payments.Work with the Finance& Admin Director/Accountant to reconcile the lending transactions.Ensure that we are adhering to the requirements of our Kiva, BNR, CRB and other regulatory entities.Detailed knowledge of lending productsOther duties as assigned by supervisorLoan Management System (20% time)Maintain and demonstrate proficiency with loan software applicationsWork with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and complianceAssist with system parameters and design to meet the needs of multiple departments.Manage user security access.Direct loan input (system boarding) and verification procedures for all loans.Ensure proper segregation of duties, develop and maintain workflows for all stages of loan input.Advise the Management team how to automate key lending processes.Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs, and balancing, disbursing loan funds.Ensure lending staff is provided with updates and procedural changes.Participates in the review and recommendations of operational systems and procedures. Successfully interact with lending staff to improve accuracy and efficiencies of Loan management system Other duties as assigned by supervisorRequirementsCompetenciesSENIOR ASSOCIATE/ADVISORWe 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.Investment officer will be a trusted partner of Inkomoko Ethiopia clients, and basic qualificationsInclude:University degree in Finance or other related fieldMust speak fluent English. Knowledge of other local languages is a plusExperience in group savings and group lending investments is preferredExperience in Islamic lending and practice is STRONGLY PREFERREDStrong financial and accounting skills; familiarity with business financial policies in Ethiopia.Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferredPrior experience dealing with customers/debtPrior experience in a lending environmentExperience providing business advice to entrepreneursPrior experience in Investment management system softwareDecisive 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 throughComfort with the civil court system, and previous experience in litigation preferred Unrelenting perseverance, personal integrity, and critical thinking skills5+ years of work experience in relevant or applicable role and field Must be able to legally work in Ethiopia.BenefitsWHAT YOU’LL GETThis role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:Meaningful work that directly contributes to sustainable livelihoods and job creation across East and Central Africa.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 A dynamic and entrepreneurial team environment committed to innovation and social impactHealth 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 CV, and tell us why you are the right fit for this opportunity. APPLICATION DEADLINE: August 27, 2026Inkomoko 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 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 750+ 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. Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply.

ABOUT THE OPPORTUNITY AND RESPONSIBILITIES

Inkomoko Ethiopia Senior Investment Officer is responsible for the items below:

Management (20% time)

• Coordinate loan officer's staff in African Entrepreneur Collective Kenya Limited, setting their work plans, and maintaining weekly staff check-ins.
• Be aware at all times of key goals and develop daily strategies to achieve those goals in alignment with budget and culture.
• Work with Loan manager and Portfolio Director to plan and manage the budget, staffing, and other resource needs to deliver program outcomes.
• Interpret, apply, and ensure departmental compliance with applicable donors and local policies, laws, and regulations.
• Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.
• Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.
• Represent the company in a highly professional manner in stakeholders' and government meetings and events in the absence of a Loan manager.
• Acting the loan manager in his absence.
• Elevate important trends, risks, and other notable activities to management.

Due diligence and Contracts preparation (40%)

• Respond to inquiries from prospective borrowers, support them to apply for our loan products.
• Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
• Introduce the loan products to SMEs, Refugees and host community entrepreneurs, Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associate, etc.
• Communicate all materials to the Loan manager and Portfolio Director and assist in preparing credit reports for Investment Committee meetings.
• Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.

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 African Entrepreneur Collective to ensure borrower success and Visit clients for monitoring.
• 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.
• Interact with government leaders, cot. Jrt system, refugee's and host communities' stakeholders and others for follow up on lack of payments.
• Work with the Finance& Admin Director/Accountant to reconcile the lending transactions.
• Ensure that we are adhering to the requirements of our Kiva, BNR, CRB and other regulatory entities.
• Detailed knowledge of lending products
• Other duties as assigned by supervisor

Loan Management System (20% time)

• Maintain and demonstrate proficiency with loan 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.
• Direct loan input (system boarding) and verification procedures for all loans.
• Ensure proper segregation of duties, develop and maintain workflows for all stages of loan input.
• Advise the Management team how to automate key lending processes.
• Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs, and balancing, disbursing loan funds.
• Ensure lending staff is provided with updates and procedural changes.
• Participates in the review and recommendations of operational systems and procedures.
• Successfully interact with lending staff to improve accuracy and efficiencies of Loan management system
• Other duties as assigned by supervisor

Requirements

Competencies

SENIOR ASSOCIATE/ADVISOR
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.

Investment officer will be a trusted partner of Inkomoko Ethiopia clients, and basic qualifications

Include:

• University degree in Finance or other related field
• Must speak fluent English. Knowledge of other local languages is a plus
• Experience in group savings and group lending investments is preferred
• Experience in Islamic lending and practice is STRONGLY PREFERRED
• Strong financial and accounting skills; familiarity with business financial policies in Ethiopia.
• 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
• 5+ years of work experience in relevant or applicable role and field
• Must be able to legally work in Ethiopia.

Benefits

WHAT YOU’LL GET

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

• Meaningful work that directly contributes to sustainable livelihoods and job creation across East and Central Africa.
• 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
• A dynamic and entrepreneurial team environment committed to innovation and social impact
• 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 CV, and tell us why you are the right fit for this opportunity.

APPLICATION DEADLINE: August 27, 2026

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.