9 jobs in Inkomoko

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.

REQUEST FOR PROPOSAL (RFP): PROVISION OF MEDICAL INSURANCE COVER

Inkomoko Limited invites your firm to submit proposals from reputable and licensed Insurance Underwriters for the provision of comprehensive medical insurance coverage for our staff and their eligible dependents for a fully insured scheme.

1. Scope of Coverage

The required medical insurance cover should include, but not be limited to, the following benefits:

• Inpatient Cover
• Outpatient Cover
• Dental Cover
• Optical Cover
• Maternity Cover
• Chronic Illnesses Cover
• Wellness Checkups / Preventive Care

2. Staff Details

Insurance Category & Count ( Total Count - 262)

• M - 94
• M+1 - 41
• M+2 - 43
• M+3 - 40
• M+4 - 21
• M+5 - 15
• M+6 - 4
• M+7 -3
• M+8 - 1

3. Proposal Requirements

Your proposal should clearly outline:

1. Benefit Schedule – detailed benefits for each coverage category, including exclusions, waiting periods, and sub-limits where applicable.
2. Premium Costs – itemized quotation per category of cover, inclusive of applicable taxes.
3. Provider Network – list of hospitals, clinics, dental and optical providers, maternity facilities, and wellness centers within your network (local and international where applicable).
4. Claims Administration Process – including turnaround time for reimbursement and pre-authorization requirements.
5. Value-Added Services – wellness programs, health talks, digital claim platforms, or telemedicine services.
6. References – at least two organizations that are currently being serviced with similar coverage.
7. Summary of Underwriters' Proposals – a consolidated comparison highlighting key benefits, premiums, exclusions, and value-added services, presented in the table format below.

Summary Table FormatPlease provide a summary of 6 providers in a table format for the below categories.

Category

Inpatient Limit

Outpatient Limit

Dental Cover

Optical Cover

Chronic Illness Cover

Wellness Checkups

Exclusions / Limitations

Premium (Annual)

Provider Network Reach

Other Services

4. Evaluation Criteria

Proposals will be evaluated based on:

• Scope and adequacy of benefits.
• Competitiveness of premiums.
• Strength and reputation of the underwriter.
• Network coverage and accessibility.
• Efficiency of claims administration.
• Value-added services.
• Quality of the broker's summary and analysis of underwriters' proposals.

5. Submission Guidelines

• Proposals should be submitted in soft copy to no later than Friday, 24th October 2025 at 5:00pm.
• For questions or clarifications, please reach us on

6. Confidentiality

All information provided in response to this RFP will be treated as strictly confidential and used solely for the purpose of evaluation.

We appreciate your participation in this process and look forward to receiving the proposals.

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 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.
The Opportunity & Responsibilities
Inkomoko Kenya Investment administrator is responsible for the items below:

Department Admin Support (40%)

• Be the lead taker of Investment committee meeting minutes and other department meetings;
• Be the lead administrator for Inkomoko Kenya's LMS powered by (Odoo), tracking all borrower information - including creating and updating clients' profiles, payments registration, and disbursements tracking;
• Track, file and report on compliance with disbursements, collection and other non-financial matters;
• Create reports on investment disbursement, closing investments and active investments;
• Actively participate as a key staff in the weekly Portfolio Review Meeting;
• Compile the pipeline from the BGS Team and prepare the lists for UNHCR verification;

Investment Compliance and Reporting (20%)

• File and maintain Investment contracts, legal documents and other documents in a safer way (both paper and electronic) and meeting Inkomoko Kenya filing standards,
• Manage communication between lending and other department staff and perform regular investigation to resolve all customer /team issues efficiently,
• Analyze and identify all fee discrepancies in investment processes and perform regular audit on processes and ensure compliance to all requirements,
• Assist with the preparation of annual reviews for projects in the investment department,
• Collect and share financial reports and other relevant information to Investment manager, Snr Portfolio Manager and Regional Portfolio Director,
• Prepare timely and accurate reports required by partners, stakeholders and funders including Kiva, investment committee, CBK etc.

Kiva documentation and compliance (20%)

• Ensure borrowers profiles meet Kiva standards,
• Select photos of entrepreneurs, have them sign photo waivers,
• Prepare Kiva report on monthly basis and other departmental reports,
• Write compelling descriptions of borrowers in English and post them to the international Kiva platform for fundraising,
• Prepare documentation for new approved investments to be posted on Kiva website,
• Ensure 100% of investment repayment schedules are matching with Kiva repayment schedules - on kiva platform,
• Coordinate with lending staff to get all investment documentation needed for fundraising,
• Adhere to credit policy TAT for Kiva fundraising and meet clients' needs,
• Ensure that we are adhering to the requirements of our Kiva partnership, including reporting and journaling,
• Ensure that all investment documentations are updated appropriately in the system so that the Kiva fundraising tasks are performed easily

Coordination with Finance (10%)

• Identify discrepancies between different investment department reports and finance reports and propose ways to solve them,
• Perform various accounting processes that deal with receipts, payments and checks issued,
• Initiate collection activities on the past investments past due,
• Identify signs of unusual or suspicious investment activities and make recommendations to minimize the risk factors

Investment Closing and Disbursements (10%)

• Ensure that investments disbursement adhere to investment committee approval decisions and policies,
• Review and prepare requests for investment disbursements and ensure 100% compliance with the investment committee decision such as approved investment amounts and conditions for approval,
• Ensure all refugee clients are verified by UNHCR prior to the disbursements in order to minimize risks,
• Other duties as assigned by the supervisor

Requirements
CANDIDATE QUALIFICATIONS
The Investment Administrator will be a trusted staff of Inkomoko Kenya clients. We are looking for someone with incredible attention to detail who can be sure that all of our operations and communications are in the highest order.

Basic qualifications include:

• Strong English writing and reading skills is STRONGLY preferred,
• A university degree in finance or other related field
• Must speak fluent English, and Swahili. Other languages are an additional asset,
• Experience in investment management and access to finance for MSMEs in Kenya is a preferred,
• Very strong attention to details and good follow through,
• Ability to work well under pressure and ability to multitask,
• Unrelenting perseverance, personal integrity, and critical thinking skills,
• 2+ years of work experience in relevant or applicable fields
• Must be able to legally work in Kenya.

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 a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes both a great culture and a competitive market-based package, including:

• Incredible company culture, including deep investment in your learning and growth, and a commitment to inclusion and diversity
• Opportunity to work with a talented, passionate, and committed team of professionals across the region
• Ability to make a significant social impact and contribute to economic growth
• Competitive salary, and potential KPI-based bonus
• Favorable policies like health insurance, staff savings program, parental leave, sabbatical program, and more

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.

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 is dedicated to empowering micro and small entrepreneurs across Africa, including refugees, to create jobs, improve livelihoods, and develop thriving communities. Since its inception in 2012, Inkomoko has supported over 60,000 entrepreneurs across East and Central Africa, providing a combination of training, consulting, access to finance, and market-level systems change. Notably, Inkomoko is the largest lender to refugee entrepreneurs in Africa, offering affordable financing to fuel business growth and economic development.

With a team of more than 650 employees across 40 offices in Chad, Ethiopia, Kenya, Rwanda, and South Sudan, Inkomoko is committed to expanding its impact. Through its 2030 strategic plan, the organisation aims to extend its services to three additional countries, reaching over 550,000 entrepreneurs and growing its $30 million loan fund to impact 7 million lives.

Inkomoko's vision is an Africa with thriving communities where young people and refugees are engaged, communities have access to relevant innovations for self-determination, and African solutions are unleashed to solve African problems. The organisation's core values guide its work:

• Purpose
  : Be solutions-oriented, produce high-quality work, and lead globally.
• Achievement
  : Push beyond previous limits and strive for excellence.
• Improvemen
  t: Stay humble, embrace continuous learning, and welcome open feedback.
• Bravery
  : Take risks, foster inclusivity, and create safe spaces for all.
• We Eat Goa
  t: Celebrate success and support one another, embodying unity—turikumwe, tuko pamoja, abren nen, kula na sawa, on est ensemble.

About the Role

Inkomoko is on a transformative growth journey as it continues to scale its impact across Africa, with a particular focus on empowering refugees and underserved entrepreneurs to create lasting economic change. To support this ambitious mission, Inkomoko is seeking a visionary and strateg
ic Chief People & Culture Officer (CP&CO)
to lead and cultivate an empowering and equitable environment for Inkomoko's growing team.

As we empower entrepreneurs to shape their futures, we're equally committed to supporting our staff across all levels and locations. The Chief People & Culture Officer will lead an international HR and talent team across East and Central Africa, ensuring our people feel valued, inspired, and supported. Reporting to the CEO and serving on the five-member C-Suite, this role will drive strategic initiatives in employee engagement, talent acquisition, learning and development, and DEI.

The ultimate goal of the Chief People & Culture Officer is to build a workplace where every team member feels genuinely valued and inspired to contribute to Inkomoko's mission of economic inclusion. The CP&CO will develop and implement people strategies that attract and retain top talent, enhance organisational effectiveness, and ensure alignment between Inkomoko's growth objectives and its commitment to ensuring refugees and underserved communities can create wealth and move out of poverty.

Role Location:
The successful candidate will be based in any of our offices in Africa (Kenya, Rwanda, Chad, Ethiopia, or South Sudan). We welcome candidates willing to relocate, as a full-time, in-person presence is essential for effectively engaging with teams and leadership. Inkomoko prioritizes hiring from the communities we serve.

Scope of Work

Key Roles & Responsibilities

1. Organisational Design & Strategic Workforce Planning

• Enhance org structures that can scale effectively to meet growing business needs. Enhance collaboration and agility by designing organizational structures that support cross-functional teamwork, efficient decision-making, and long-term sustainability.
• Optimise role alignment by ensuring key talent is in the right positions with clear career development and retention plans to enhance engagement and performance.
• Develop a talent strategy aligned with Inkomoko's growth, identifying critical skill pools and anticipated gaps. Implement proactive workforce planning to address future needs.
• Implement a data-driven approach to workforce design, leveraging people analytics to measure organisational effectiveness and guide strategic decisions.

2. Organisational Culture

• In partnership with the CEO, lead the evolution and codification of Inkomoko's culture at scale.
• Stay attuned to the organisation's pulse, supporting staff through challenges and guiding leaders to preserve our unique culture while adapting to growth.
• Engage global leaders on DEI best practices, driving improvements to Inkomoko's commitments to justice for a diversity of colleagues.
• Model and reinforce our culture to support future growth.

3. Compensation & Benefits

• Drive the strategic allocation of resources to build an efficient, high-performing workforce, while also playing a key role in mobilising funding for employee-centred initiatives.
• Review and enhance the compensation and benefits structure to ensure alignment with business goals, market competitiveness, and to enhance employee well-being, engagement, and retention, incorporating future-focused and inclusive offerings.
• Lead regular compensation benchmarking (at least once every two years) to maintain competitive salary positioning and equitable pay practices.
• Ensure salary structures are transparent, well-graded, and aligned with performance, skills, and market trends to attract and retain top talent.
• Implement a total rewards approach, balancing financial and non-financial incentives to drive motivation, equity, and long-term organisational sustainability.

4. Safe, Fair & Engaged Workforce (DE&I)

• Provide thought leadership on Inkomoko's approach to culture, employee engagement, and inclusion, particularly in the context of serving displaced populations, and shape strategies that deepen impact and influence across the sector.
• Lead Inkomoko's Belonging Initiative, fostering an inclusive and supportive culture that uplifts all team members, with a particular focus on refugees and those from underserved communities.
• Oversee staff safety and well-being, including staff care in high-pressure field environments and response to critical incidents.
• Ensure inclusive working conditions that balance organisational and employee needs, aligned with Inkomoko's values.
• Oversee the resolution of complex employee relations issues, including serious misconduct or code of conduct violations (e.g., fraud, harassment, or abuse), and seek values-aligned outcomes.
• Facilitate dialogues on inclusion, ensuring these are addressed across all operations.

5. HR Operations & Compliance

• Develop and evaluate proactive workplace policies that support Inkomoko's growth and regional operations.
• Ensure HR, labour, and legal compliance across all operating countries.
• Consult legal counsel as needed to ensure compliance and minimize HR risks.

6. Organisational Leadership & Development

• Contribute to Inkomoko's vision and strategy, ensuring strategic initiatives reflect our values and people and belief in "Radical Candor" as a prevailing philosophy.
• Engage the C-Suite and board on key talent strategies and results.
• Lead and mentor a senior HR and talent team, guiding the broader talent function.
• Support effective employee relations by coaching leaders and fostering a values-aligned approach.
• Strengthen trust and collaboration across leadership, supervisors, and staff.
• Serve as an HR advisor to executive leaders, including during partnerships or expansions.

What we're looking for:

For this role, the successful candidate will have these qualities:

Technical Competencies:

• 15+ years of senior HR experience, with expertise in talent management, culture development, and change management.
• A track record of achievement in building people & culture strategies for multiple organisations.
• Ability to work both autonomously and with a team, thriving in a resource-lean environment where you "do the doable" with what's available.
• You have leadership experience in East Africa in a variety of contexts, ideally including some combination of non-profit, social enterprise, and corporate roles.
• Familiarity with innovative, non-traditional HR practices suited to a fast-paced, entrepreneurial organisation.
• Proven experience in creating HR policies, systems, and processes that work for a fast-growing, entrepreneurial organisation.
• Proven ability to adapt leadership styles to different cultural contexts, particularly across East Africa.
• Willingness to travel approximately 30% across East Africa.
• Experience in post-expansion or strategic partnership contexts is a plus.

Core Competencies:

• Exceptional communicator – approachable, warm, honest, transparent, and able to manage with confidence.
• Personal interest around economic empowerment and supporting entrepreneurs.
• Shows perseverance, personal integrity, reasonable objectivity, and good judgment.
• Proactive problem-solver with strong decision-making capabilities.
• Experienced in handling confidential information with discretion and sensitivity.
• Excellent interpersonal and stakeholder management skills with the proven ability to build strong relationships, influence outcomes, and gain respect as a trusted advisor.
• A deep understanding that our people are our greatest strength, serving as the champion for employee support, safety, well-being, and development.

We're open to being surprised. If you embody Inkomoko's spirit, care deeply about economic empowerment, and bring something unique, we want to hearfrom you.

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

The Head of Budgeting plays a critical role in shaping Inkomoko's financial decision-making and ensuring the organization achieves its mission sustainably. This role is responsible for leading the annual budgeting process, rolling forecasts, financial reporting, and business analysis.

As Inkomoko scales, the Head of Budgeting will serve as a strategic partner across departments and country teams, providing data-driven insights to drive growth, efficiency, and impact.

Key Responsibilities

1. Budget Development and Planning

2. Lead the annual and multi-year budgeting process across country and field operations.

3. Coordinate inputs from programs, finance, and leadership teams to ensure strategic and operational alignment.
4. Develop tools, templates, and budget guidelines for efficient budgeting.
5. Support scenario planning and multi-currency budgeting models for donor and internal planning.
6. Develop rolling forecasts to reflect changing conditions, program performance, and funding shifts.
7. Partner with department and country leaders to align financial plans with strategic goals.
8. Collaborate with Treasury & Grants and Development teams on proposal budgets and donor financial reports.

2. Budget Monitoring and Forecasting

• Prepare monthly and quarterly budget performance reports for leadership and budget holders.
• Lead periodic re-forecasting processes in collaboration with FP&A and country finance teams.
• Identify budget variances, trends, and risks and provide actionable recommendations.
• Collaborate with FP&A team to support quarterly re-forecasting and annual planning processes.
• Work closely with budget owners to understand financial variances and improve cost management.
• Provide scenario modeling and strategic financial insights to support decision-making.

3. Financial Reporting & Analysis

• Prepare monthly and quarterly management reports with variance analysis and key performance indicators (KPIs).
• Analyze program and country-level financial performance, identifying risks and opportunities.
• Create dashboards, charts, and visualizations for senior leadership to support decision-making.
• Track key metrics for revenue, cost recovery and unit economics across field locations, departments and countries.

4. Strategic Planning & Business Partnering

• Build and maintain long-range financial models for growth, scenario planning, and capital deployment.
• Support fundraising and investment planning with financial models and projections.
• Evaluate new initiatives or expansions from a financial viability standpoint.
• Serve as a finance liaison to key teams, helping budget owners understand and manage their resources.
• Provide tailored support and training to improve financial ownership across the organization.
• Collaborate with the Grants, Programs, and Operations teams to align financial planning with donor expectations and program goals.

5. Systems, Policies, and Continuous Improvement

• Improve budgeting tools and integration with financial systems.
• Contribute to the design and enforcement of budget policies and controls.
• Support audit and compliance processes related to budgeting and planning.
• Improve and automate FP&A tools, templates, and systems to enhance efficiency and accuracy.
• Support the implementation of financial systems (e.g., ERP, budgeting platforms).
• Ensure data integrity and accuracy across reporting tools.

6. Team Leadership and Culture

• Manage and mentor a team of Senior Management Accountants across countries through coaching and performance management.
• Align the team's work and culture with Inkomoko's values and talent framework, emphasizing learning, inclusion, and impact.
• Foster a collaborative, data-driven, and service-oriented culture within the budgeting team.
• Build capacity of finance and non-finance staff in budget literacy and ownership.

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field. MBA, CFA, or CPA is a plus.
• 10+ years of progressive experience in budgeting, financial planning and analysis, including multi-country operations.
• Strong analytical and quantitative skills with proven experience in budgeting, forecasting, and modeling.
• Strong Excel (advanced formulas, pivot tables, financial models) and ERP/reporting systems skills; experience with BI tools (e.g., Power BI, Tableau) is an asset.
• Experience in social enterprises, NGOs, or donor-funded organizations preferred.
• Excellent communication and interpersonal skills – able to present financial insights clearly to non-financial stakeholders.
• High level of integrity, accountability, and commitment to Inkomoko's mission.
• Comfortable working in a fast-paced, growing, and multicultural environment.

COMPETENCIES

We are looking for someone who;

• Adapts Approach to Situations - Adjusts the team's approach to meet the shifting demands of impact; able to quickly adapt to suit the context and drive to positive outcomes for their department.
• Enhances Competitive Advantage - Creates new and better ways to drive organizational success, with a future-focused mindset (at least 2 years ahead), through innovation and leveraging external relationships and opportunities.
• Uses his/her Technical expertise to coach and guide staff to meet and exceed expectations.
• Synthesizes Data - Leverages key information, data, and insights to enhance both client and team member experiences.

What We Offer

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.

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 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 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.

ABOUT THE OPPORTUNITY & RESPONSIBILITIES

The Investment Operations Associate at Inkomoko plays a crucial role in ensuring the smooth functioning of the lending process, supporting the lending team, and providing excellent customer service to borrowers.

The following are some of the key responsibilities of an Investment Operations Associate are;

LOAN PROCESSING & CLIENT SERVICING (20%)

• Verify the loan applications and documentation
• Ensure compliance with the lending policies and regulations
• Prepare loan files for review by the lending team
• Respond & resolve customer inquiries,
• Maintain a positive relationships with borrowers

DATA ENTRY & RECORD-KEEPING (45%)

• Enter accurate data into loan management systems
• Maintain loan records
• Update borrower information
• Organize and maintain loan documents
• Ensure loan documents are filed correctly and can be accessed easily when needed
• Maintain accurate and up-to-date records of loan applications, processing, and disbursement

REPORTING & COMPLIANCE (25%)

• Generate reports on loan applications, processing times, and other key performance metrics to assist in decision-making by the lending team
• Ensure compliance with lending policies, regulations, and procedures
• Communicate any issues to the lending team.

PROCESS IMPROVEMENT & COORDINATION (10%)

• Identify areas for process improvement and advise the team
• Recommend changes to improve the efficiency and effectiveness of the lending process
• Coordinate with other departments within the organization to ensure smooth functioning of the lending process

Investment Operations Associate will be a trusted partner and basic qualifications Include:

• A University degree in Finance or other related field
• Must speak fluent English and Swahili
• 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
• Prior experience in Loan management system software
• 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
• At least 2 years of work experience in relevant or applicable field
• Must be able to legally work in Kenya

COMPETENCY

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.

WHAT YOU'LL GET

This role is a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes both a great culture and a competitive market-based package, including:

• Incredible company culture, including deep investment in your learning and growth, and a commitment to inclusion and diversity
• Opportunity to work with a talented, passionate, and committed team of professionals across the region
• Ability to make a significant social impact and contribute to economic growth
• Competitive salary, and potential KPI-based bonus
• Favorable policies like health insurance, staff savings program, parental leave, sabbatical program, and more.

TO APPLY

If you're excited about this role, please submit your cover letter and CV through the application 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 submitting an application, 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, 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, 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, urang babarengan.

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

ABOUT THE OPPORTUNITY & RESPONSIBILITIES

We are looking for a motivated and experienced Client Relationship Officer (CRO) to join our team. You will be responsible for managing and maintaining strong relationships with our customers. You will communicate with our customers in a professional and courteous manner, as well as resolve customer issues and complaints.

• The CRO will manage a portfolio of clients and ensure their needs are met in a timely and efficient manner. This includes responding to client inquiries, resolving issues, escalation and doing follow ups.
• Engage all of our clients on a regular basis, conduct interviews in order to  identify, address any client concerns or issues and ensure customer satisfaction
• Develop presentations for new clients to help them understand how the Inkomoko capital can help them.
• Update clients and customers on their portfolio activity and success
• Develop and implement  marketing strategies to grow the customer base
• Build a strong customer relationship management strategy to ensure customer satisfaction
• Manage and triage customer support 'incidents' and escalations
• Maintain a perfect understanding of Inkomoko service offering to provide accurate presentations.
• Monitor and analyze results and Implementing changes accordingly
• Lead on-site customer meetings and training
• Use of Customer Support tools, procedures, processes, and metrics
• Represent Inkomoko in the local business community and at conferences or other events
• The CRO will work collaboratively with other members of the investment team to ensure that clients receive the best possible service and investment advice.
• Maintain and organize client investment files

WHO WE ARE LOOKING FOR

The ideal candidate will fulfill the following requirements:

• Minimum of a Bachelor's Degree in a related field
• A minimum of 4 years of experience in a client-facing role in financial institutions in Kenya
• Excellent communication skills, both verbal and written in English & Swahili. Local language is an added advantage.
• Understanding of micro-businesses, loans and savings products will be an addition.
• Must have excellent customer service skills to provide the best possible support and service to clients.
• Excellent computer skills, especially with MS Excel and Word
• Strong interpersonal skills.
• Strong presentation and organizational skills
• Ability to work well in a team environment and in a fast-paced environment
• Critical-thinker and problem-solver
• Shows perseverance, personal integrity, and critical thinking skills

COMPETENCY

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.

WHAT YOU'LL GET

This role is a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes both a great culture and a competitive market-based package, including:

• Incredible company culture, including deep investment in your learning and growth, and a commitment to inclusion and diversity
• Opportunity to work with a talented, passionate, and committed team of professionals across the region
• Ability to make a significant social impact and contribute to economic growth
• Competitive salary, and potential KPI-based bonus
• Favorable policies like health insurance, staff savings program, parental leave, sabbatical program, and more.

TO APPLY

If you're excited about this role, please submit your cover letter and CV through the application portal.

Inkomoko is committed to Justice, Diversity, Equity and Inclusion. As a company we have policies that ensure fair treatment in the application process.

NB: Only shortlisted candidates will be contacted. We do not employ staff whose background is not suitable.

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 submitting an application, 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 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.

About The Opportunity & Responsibilities
This position will play a critical role in the design and implementation of the Market systems strategy in Dadabb / Garissa County , focusing on the recent research findings and assessments.

They will drive the development of ideas and concepts , implementation strategies and partnerships to implement frameworks and partnerships that strengthen market access for micro and small entrepreneurs, ensuring that all interventions are aligned with systemic change principles. This role will be pivotal in fostering sustainable business growth through private sector engagement, cross-sector collaboration, and adaptive program management across locations.

The objectives of this role include:

• Design an implementation strategy and frameworks to serve micro and small entrepreneurs in Kenya ( especially in location like dadaab / Garissa )
• Fully develop and operationalize program plans and to meet the needs of Inkomoko, our clients and partners
• Initiate , negotiate and secure partnerships with private and public sector actors , in accordance with the principles of facilitation in MSD

Specific responsibilities include:

Program Management, Diagnostics and Strategy (20% of the time)

• Lead rigorous market systems diagnostics and value chain assessments in priority sectors—including livestock, solar energy, finance, logistics, agriculture, textiles, FMCG, and manufacturing—to uncover systemic constraints, incentive structures, and leverage points for inclusive, sustainable change
• Map and engage a diverse range of market actors—including producers, buyers, service providers, and policy influencers—to strengthen core and supporting market functions and foster well-functioning market linkage systems. Maintain a database of enterprises and identify those with high potential to crowd in and scale inclusive practices

Intervention Design and implementation (30% of the time)

• Co-design and facilitate catalytic, market-driven interventions that address systemic constraints and root causes of market underperformance. Interventions should be facilitative, reinforcing existing market functions and incentivizing local actors to lead and sustain change
• Solicit , formally and informally potential partnerships through the development of TORS, Call for applications and Partnership requests to onboard different private and public sector actors to design and implement interventions
• Use adaptive management principles to adjust interventions based on ongoing market analysis, stakeholder feedback, and learning
• Promote inclusive business models that create value for marginalized market actors, including refugees and host communities. Facilitate the crowding-in of market actors by demonstrating commercially viable solutions, ensuring interventions are scalable, cost-effective, and anchored in market incentives rather than direct service delivery.

Partnerships & External Relations (25 % of the time)

• Facilitate and maintain strategic relationships with private sector actors to co-create and support inclusive market opportunities for clients. Support the design and implementation of market-facing activities, such as exhibitions, buyer-seller forums, and trade events, that enhance clients' visibility and access to end markets
• Engage proactively with start-ups and SMEs to identify systemic barriers to growth, co-develop pathways for upscaling
• Cultivate a robust network of private sector firms, producer organizations, and relevant development partners—particularly those engaged in agriculture, livestock, retail, and industrial productivity—to foster collaboration and alignment across the market system
• Develop MoUs, grant agreements, or technical assistance packages with partners based in negotiations and alignment with the
• Facilitate co-creation of business models or behavior changes that address market constraints
• Manage and nurture ongoing partnerships — acting as a trusted advisor rather than a service provider.

M&E and Adoptive management (10 % of the time)

• Lead the use of technology-enabled tools to systematically collect, record, and manage entrepreneur and market actor data to support evidence-based service delivery and adaptive programming
• Write intervention plans, concept notes, learning briefs, and success stories. Share learnings internally (within the MSD team) and externally (with partners, other programs, or donors)
• Maintain clear and concise intervention logs and updates for internal and donor reporting
• Oversee the development and use of tools to monitor market actor behavior change, such as the adoption of inclusive business models, investment in support services, and improved market relationships
• Design and maintain intervention-specific results chains and systemic change frameworks, clearly articulating the linkages between program activities, outputs, outcomes, and intended market system shifts
• Co-design and implement robust M&E frameworks, including both quantitative and qualitative indicators, to track changes in market systems, particularly in areas such as actor behavior, crowding-in, and inclusion of marginalized groups
• Ensure high standards of data quality, consistency, and security across all interventions, supporting accurate analysis and real-time decision-making.

Market linkage activities (10% of the time )

• Support in the design and execute market linkage services like buyer engagement, tender distributions, buyer and supplier connections, etc, to enable clients to expand their businesses
• Work with consulting business advisors and Investment officers to identify clients suitable for market linkage opportunities
• Provide recruitment and training support, as needed.
• Lead market linkage initiatives by sharing key learnings internally, coordinating with business development and investment teams to identify high-potential clients, and supporting them in accessing and utilizing market opportunities.

Management & Administration (5% of the time )

• Contribute to the development of annual objectives, strategies, and work plans for BGS, ensuring alignment with organizational priorities and MSD principles
• Lead administrative planning for intervention roll-out, including budgeting, procurement requests, and compliance with internal financial and operational procedures
• Manage project resources effectively, ensuring responsible use of funds, timely reporting on expenditures, and adherence to donor and organizational guidelines
• Maintain accurate and up-to-date documentation of project activities, partner communications, contracts, and operational tools in line with data management standards
• Supervise or coordinate with support staff (e.g., finance, admin, logistics) to ensure seamless implementation of field activities and operational support across locations
• Participate in internal coordination meetings, contribute to reporting cycles, and provide updates on progress, risks, and administrative needs

Requirements
We are looking for candidates who have previously held Market Systems and project management roles , access to finance interventions ,with demonstrated success, and who align with our company values.

• 5+ years of demonstrated success in program management of complex projects, Market systems programs.
• Master's degree preferred, or Bachelor's degree in Project Management, Business administration, value chain management or related field
• Experience with designing and implementing projects with a market-systems approach and/or to create market linkages in Kenya
• Experience working with micro and small businesses as well as overall market dynamics, financial markets and Financial inclusion
• Has a sound of understanding of challenges refugees and the local community face with regards to business growth
• Highly analytical and organize
• Excellent creative and innovative thinking skills
• Fluency in English and Swahili required. Any other local language is a plus

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 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.

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 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, 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, 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, urang babarengan

Inkomoko reflects the communities we serve. Displaced persons and women are strongly encouraged to apply.
About This Role
The Recovery Officer 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.

Responsibilities
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
• Preparation of weekly portfolio reports for credit review meetings
• Compute weekly PAR report including; product, individuals and SMES PAR analysis
• 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 (60%)

• Monitor allocated portfolio of delinquent 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
• Ensure compliance to Inkomoko's Credit Policy and Procedures regarding management of debt recovery process
• Maintain and prepare monthly collections reports, updates and status
• 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
• 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
The Recovery officer will be a trusted partner of Inkomoko Trustee clients, and basic qualifications Include:

• A university degree in Finance, Business Administration or other related field
• Must speak fluent English, and Swahili. Knowledge of other local languages is a plus
• Knowledge and familiarity of Kakuma and Kalobeyei is a plus
• Minimum of 2 years banking of MFIs experience in a credit monitoring /loan recovery role
• Knowledge of MFIs or banking operations, credit risk management, fraud management, Loan Recovery and Debt Management
• Prior experience dealing with customers/debt collection
• Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
• Comfort with the civil court system, and previous experience in litigation preferred
• Unrelenting perseverance, personal integrity, and critical thinking skills
• Must be able to legally work in Kenya

COMPETENCY
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 KPI-based bonus
• Incredible company culture, including deep investment in your learning and growth
• Diverse colleagues and policies that show our commitment to equity and inclusion
• Talented, passionate, and committed team colleagues across the region
• Ability to make a significant social impact to your community
• Generous health insurance, staff savings, parental leave, sabbatical, and more benefits

TO APPLY
If you're excited about this role, please submit your application through the application 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.