Head of Investment at Inkomoko

Specifically, the position responsibilities include:

Lending Strategy and Portfolio Growth

• Contribute to the development and execution of lending strategies that expand access to finance for refugees and host communities in Kenya.
• Use portfolio data, demographic trends and performance insights to inform segmentation, product refinement and portfolio growth decisions.
• Work closely with MD Kenya and Director Credit Risk to align lending priorities with country and organisational objectives.

Credit and Portfolio Integrity

• Monitor portfolio performance including demographic metrics, PAR, recovery actions and risk trends.
• Oversee loan appraisal, approval and disbursement in line with Inkomoko standards and delegated authority.
• Ensure documentation, collateral tracking, recovery follow up and reporting standards are upheld across the team.
• Prepare and present regular lending performance reports and present them to senior management, partners, and stakeholders using data driven insights.. 
• Ensure adherence to Kiva and other partner reporting requirements.
• Conduct client visits where necessary for monitoring and relationship management.

Team Leadership & Technical Discipline

• Lead, coach and develop all lending staff across Kenya locations.
• Set clear performance expectations and conduct performance reviews.
• Build strong investment discipline across the team through mentoring on documentation standards, and recovery practices.
• Ensure consistent use of systems, processes and internal controls while maintaining a healthy portfolio and achieving lending targets.

Compliance, Governance & Risk Management

• Work with Director Credit Risk to define and operationalise credit policies and procedures in alignment with organisation objectives, regulatory requirements and best practice.
• Maintain strong oversight of approval trails, documentation standards and internal controls.
• Support legal registration and regulatory engagement related to lending activities.

External Representation & Partnerships

• Represent Inkomoko in relevant external forums and meetings.
• Identify and cultivate partnerships that support lending programme growth.
• Maintain effective communication with donors and key stakeholders

Requirements

WHO WE ARE LOOKING FOR:

• A Bachelor's or Master's degree in Finance, Business Administration, or a related field is required. Additional certifications or advanced degrees in finance or risk management is  a plus.
• +8 Years of extensive experience in lending, credit risk management, and financial services, preferably in a leadership role. Demonstrated success in developing and executing lending strategies and managing loan portfolios.
• In-depth understanding of lending products, credit risk assessment, loan underwriting, and regulatory requirements. 
• Familiar with financial analysis, loan pricing models, and industry trends.
• Strong leadership and management abilities to motivate and guide a team of lending professionals. Excellent decision-making skills, strategic thinking, and the ability to manage competing priorities.
• Proficiency in financial analysis, risk assessment, and credit evaluation. Ability to interpret complex financial data, identify trends, and make data-driven recommendations.
• Excellent verbal and written communication skills to effectively interact with internal and external stakeholders. Strong presentation skills to convey lending strategies and portfolio performance to senior management.
• Proven ability to build and maintain relationships with key stakeholders, such as clients, regulators, and industry peers. Strong negotiation and influencing skills to drive business growth and manage partnerships.