Recovery Officer

About Inkomoko

Inkomoko is dedicated to empowering entrepreneurs to expand their ventures, thereby enhancing livelihoods, generating employment, and fostering community prosperity. Recognized in 2026 by the Financial Times as Africa's 5th fastest-growing company, Inkomoko operates across East and Central Africa, championing inclusive and resilient economic growth. Established in 2012, the organization has supported over 100,000 entrepreneurs, with a special focus on refugee businesses, providing training, consultancy, financial access, and systemic market-level improvements. Operating with over 850 employees in 50 offices spanning Chad, Ethiopia, Kenya, Rwanda, and South Sudan, Inkomoko aims to reach more countries and impact millions by 2030.

Core Values

• Purpose: Commitment to solution-focused, high-quality work and global leadership.
• Achievement: Consistent self-motivation to exceed previous accomplishments.
• Improvement: Maintaining humility and embracing ongoing growth through transparent feedback.
• Bravery: Risk-taking, fostering safe and inclusive environments, and practicing compassion.
• We Eat Goat: Celebrating victories together and providing mutual support during challenges.

Inkomoko embodies the diversity of its communities and particularly encourages applications from displaced individuals and women.

Role Overview

The Recovery Officer plays a critical role in managing overdue loan accounts through proactive follow-ups, site inspections, coordination with local authorities, manual settlements of outstanding balances, account restrictions, and resolving payment defaulters' issues.

Key Responsibilities

Loan Portfolio Monitoring (40%)

• Track credit portfolios and assess default risks, recommending recovery strategies.
• Flag repayment inconsistencies and escalate as needed.
• Prepare monthly and weekly portfolio reports for management and credit reviews.
• Analyze Portfolio At Risk (PAR) reports, including product, individual, and SME breakdowns.
• Evaluate loan product performance via data collection and analysis.
• Report weekly loan account turnover.
• Implement trigger systems for credit impairment alerts and suggest remedies.
• Support loan and compliance officers in managing non-performing loans.
• Engage borrowers through calls, visits, and reminders for scheduled repayments.
• Conduct post-disbursement checks to ensure proper loan usage and performance.
• Monitor defaulters to prevent recurrent non-compliance.
• Maintain PAR levels compliant with Central Bank of Kenya regulations.
• Coordinate with Finance to reconcile received payments promptly.
• Meet monthly PAR reduction targets.
• Negotiate repayment arrangements with clients in default.
• Initiate legal receivership processes when necessary.

Debt Recovery (60%)

• Oversee portfolios of delinquent loans, utilizing sound credit judgment and collection strategies within established policies to minimize losses.
• Ensure adherence to Inkomoko’s credit policies during recovery efforts.
• Prepare and maintain monthly collection and status reports.
• Drive consistent reduction of non-performing debts through assertive recoveries and restructuring options.
• Maintain frequent contact with borrowers via calls, visits, and follow-ups to implement remedial plans.
• Issue demand and reminder communications to defaulting clients and review documentation for accuracy.
• Collaborate closely with legal counsel to meet regulatory compliance standards.
• Develop and regularly update credit and recovery policies ensuring compliance.

Qualifications and Experience

• University degree in Finance, Business Administration, or a related field.
• Fluency in English and Swahili; proficiency in additional local languages is advantageous.
• At least 3 years of experience in banking or microfinance institutions focusing on credit monitoring or loan recovery.
• Strong knowledge of microfinance or banking operations, credit risk, fraud prevention, and debt management.
• Proven experience handling customer relations and debt collection.
• Ability to deliver difficult messages firmly and persuade debtors to complete repayments.
• Familiarity with civil court procedures and litigation experience preferred.
• Demonstrates perseverance, integrity, and critical thinking.
• Legal authorization to work in Kenya.
• Experience working in local areas is a plus.

Core Competencies

• Ability to build and maintain relationships across diverse populations and communication styles.
• Proactive in planning and reliably executing tasks with foresight.
• Proficient use of technology to enhance work efficiency and outcomes.

Compensation and Benefits

• Competitive remuneration package with potential performance-based bonuses.
• Engaging company culture emphasizing employee development and growth.
• A diverse and inclusive workplace committed to equity.
• Collaboration with passionate colleagues regionally.
• Opportunity to make meaningful social contributions.
• Comprehensive health coverage, staff savings programs, parental leave, sabbaticals, among other benefits.

Additional Information

Inkomoko firmly supports justice, diversity, equity, and inclusion. Applications from refugees and women are highly encouraged. Employment offers are contingent upon successful background checks and references. The organization participates in the Inter Agency Misconduct Disclosure Scheme, involving scrutiny of past employment for misconduct. Only shortlisted candidates will be contacted.