Investment Officer - Nairobi

About Inkomoko

Inkomoko is dedicated to empowering entrepreneurs by helping them expand their businesses, ultimately enhancing livelihoods, generating employment, and strengthening communities. Recognized in 2026 as the 5th fastest-growing company in Africa by the Financial Times, Inkomoko supports enterprises throughout East and Central Africa in building resilient, inclusive economies.

Established in 2012, Inkomoko has engaged with over 100,000 entrepreneurs, including many refugees, delivering training, consulting, financing access, and systemic market changes. It stands as the largest financier to African refugee entrepreneurs with a workforce of 850 across 50 offices in Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Their strategic expansion in 2030 aims to cover three additional countries, extend services to more than 550,000 entrepreneurs, and grow a $30 million loan fund impacting 7 million lives.

Core Values

• Purpose: deliver solution-oriented, high-quality work and strive to be a global leader.
• Achievement: continuously push beyond perceived limits.
• Improvement: practice humility, seek ongoing growth through candid feedback.
• Bravery: embrace risk-taking, foster safe, compassionate, and inclusive environments.
• Unity: value and support colleagues, celebrate achievements, and share challenges together.

Inkomoko embraces community diversity and strongly encourages applications from displaced persons and women.

Role Overview and Responsibilities

This Investment Officer position located in Garissa and Dadaab entails:

Due Diligence & Investment Preparation (60%)

• Address inquiries from potential borrowers, aid their application process for financing.
• Explain investment products, repayment obligations, and financial responsibility to entrepreneurs.
• Perform investment appraisals, gather detailed personal, business, and guarantee data, and set up investment accounts.
• Draft and execute investment contracts, coordinate disbursement in-kind.
• Conduct on-site due diligence, prepare necessary documents, and liaise with Business Development Advisors and Associates.
• Report findings to Portfolio Manager and assist in compiling credit reports for Investment Committee reviews.
• Capture entrepreneur photographs, secure photo waivers, and ensure accurate publication on fundraising platforms.

Portfolio Management (20%)

• Maintain excellent customer service through daily engagements and visits to foster strong borrower relationships.
• Collaborate with the Business Development team to facilitate borrower success and conduct client monitoring.
• Keep delinquency and default metrics below organizational targets set annually.
• Monitor borrower information and communicate borrower status effectively with stakeholders.
• Engage actively in weekly Portfolio Review Meetings as a key team member.
• Track borrower payments and maintain contact information systems.
• Coordinate with Finance & Admin to issue invoices and reconcile monthly investment transactions.
• Interact with governmental and judicial bodies to follow up on outstanding payments.
• Ensure compliance with partnership reporting obligations and journaling standards.
• Perform additional duties assigned by supervisors.

Investment Management System (20%)

• Update disbursement and repayment transactions in the CBS investment management system (Mifos-based).
• Maintain proficiency in investment software; collaborate with system providers to enhance process efficiency and accuracy.
• Assist in system design and parameter configuration to meet cross-departmental requirements.
• Manage user security and ensure segregation of duties.
• Advise management on automation of lending processes; confirm accurate posting and reconciliation within the core banking system.
• Participate in operational systems reviews and recommend improvements.
• Work alongside lending staff to increase system data accuracy and operational efficiency.
• Prepare related system reports and undertake administrative responsibilities.
• Perform other tasks as directed by the supervisor.

Candidate Requirements

• Bachelor’s degree in Finance or related discipline.
• Fluent in English and Swahili; knowledge of local languages advantageous.
• Familiarity with Islamic lending practices is a plus.
• Strong financial and accounting expertise, understanding Kenyan business financial policies.
• Extensive experience in investment management, microfinance, capital leases, and financing small and medium enterprises is strongly preferred.
• Background in customer debt management and lending environments.
• Proven track record in advising entrepreneurs.
• Experience with investment management system software.
• Assertive and decisive, capable of delivering firm messages to debtors and ensuring full repayment.
• Skillful in managing challenging clients and achieving favorable outcomes.
• Exceptional attention to detail and follow-through capacity.
• Familiarity with civil court procedures and experience in litigation is preferred.
• Demonstrated perseverance, integrity, and analytical thinking.
• At least 4 years of relevant work experience.
• Authorization to legally work in Kenya.

Competencies

• Build and maintain trust by fulfilling commitments, demonstrating honesty, and showing genuine care for colleagues.
• Exhibit courage by addressing difficult subjects openly and taking ownership of tasks.
• Make decisions based on relevant data and seek guidance appropriately.

Benefits and Culture

• Attractive salary plus potential performance bonuses.
• Health insurance, annual leave, staff savings program, parental leave for both genders, and sabbatical opportunities.
• Supportive company culture focused on learning, career advancement, and working with a skilled regional team.
• Opportunity to make meaningful social impact and promote economic development.

Additional Information

Applications must be submitted by Friday, 14th August 2026. Inkomoko is devoted to justice, diversity, equity, and inclusion, encouraging refugees and women to apply. Employment is contingent on successful background checks and references, including participation in a misconduct disclosure scheme with prior employers to verify any history of misconduct. Only shortlisted candidates will be contacted.