Portfolio Manager - Garissa/Dadaab at Inkomoko

About the Opportunity

• Portfolio Manager will be a trusted partner of Inkomoko Kenya clients with the responsibilities below:

Responsibilities
DUE DILIGENCE AND FACILITY/INVESTMENT PREPARATION (40% time) 

•  Respond to inquiries from prospective borrowers, support them to apply for our investment products, 
•  Introduce the investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing, 
•  Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associates and Business Associates, etc.
•  Communicate all materials to the Senior Portfolio Manager/ Regional 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 the Kiva platform.

PORTFOLIO MANAGEMENT (40% time) 

•  Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers, 
•  Work with Business Development Services team 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 key staff in the weekly Portfolio Review Meeting, 
•  Maintain a tracking system of borrower payments and contact information, 
•  Interact with government leaders, the court system, refugee’s and host communities’ stakeholders and others for follow up on lack of payments, 
•  Work with the Finance Director/Senior Finance Associate to produce invoices for payments, 
•  Ensure that we are adhering to the requirements of our Kiva partnership, including reporting and journaling, 
•  Other duties as assigned by supervisor. 

TEAM AND GROWTH MANAGEMENT (20% time) 

•  Supervising and training Investment Officers staff in all steps of the investment granting cycle including: 
  • Acquisition and screening of potential clients, 
  • Active monitoring of investment repayments and overall performance, 
  • Investment assessment, appraisal and disbursement.
•  Chairing credit/facility committees under the portfolio manager’s approval rights. 

Minimum Qualifications

•  University degree in Finance or another related field 
•  Must speak fluent Somali, English and Kiswahili. Knowledge of other local languages will be an added advantage 
•  Experience in Islamic lending and practice is preferred
•  Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred 
•  Experience in lending, group savings is strongly preferred 
•  Experience in lending products development is a MUST 
•  Experience in managing investment staff 
•  Experience providing business advice to entrepreneurs and dealing with customers/debt 
•  Prior experience in using Investment management system software 
•  Decisive individuals with the ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors to 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, collateral registration and previous experience in litigation is preferred
•  Unrelenting perseverance, personal integrity, and critical thinking skills. 
•  5+ years of work experience in the relevant or applicable field 
•  Must be able to legally work in Kenya and familiar with Garissa/Dadaab

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.