Current Openings at Inkomoko

Specifically, the Senior Procurement officer will:

Local Procurement Strategy (40%) 

• Support the Regional Procurement to develop procurement strategies aligned with Country Procurement Policies and Procedures 
• Continually refine strategies for opportunities for cost savings, and process improvements, balancing value for money and fit-for-purpose approaches.
• Prepare reports and work with the MEL Data and IT team to develop an analytics/dashboard/insights on procurement activities, trends, and performance metrics, and refine strategy as needed.
• Collaborate with the Regional team to create and implement procurement strategies to support the new countries’ expansion activities 
• Incorporate procurement innovations into Inkomoko’s strategy, and aligned with socially responsible business practices, including resource conservation, waste reduction, carbon footprint, and the use of renewable materials, and procurement from small businesses run by women, refugees, and youth. 

Oversee Procurement Process Management (40%) 

• Oversee the end-to-end procurement process for country  activities, including requisition, sourcing, purchasing, and contract management.
• For country-level procurement, guide the country operations & procurement team on the process and provide support when needed with requisition, sourcing, purchasing, and contract management. 
• Ensure compliance with procurement policies, procedures, and regulatory requirements for both regional and country level procurement activities.  For discrepancies found during internal audit periods, support country teams in compliance going forward through training, coaching, etc. 
• Drive automation Initiative of the procurement process and cycle and ensure minimal manual intervention. Support to implement these automations at country and regional levels. 
• Track Country  procurement-related costs to ensure adherence to budgetary constraints.

Vendor and Contract Management (10%) 

• Develop, coordinate, and lead sourcing activities to establish supply arrangements 
• Evaluate supplier performance and conduct regular vendor assessments.
• Collaborate with the Country-Level Operations and Procurement teams and General Counsel on vendor contract management 
• Collaborate with General Counsel to develop and administer contract management plans as well as vendor contract templates to ensure standardization across the organization 
• Support to negotiate contracts, pricing, and terms with suppliers to achieve the best possible pricing, particularly for high-value procurement contracts. 
• Provide the tools needed at the country level to oversee supplier performance management and compliance requirements to enhance business activities and outcomes 

People & Committee Coordination (10%) 

• Support  Country level Procurement Committees in order to ensure proper decision making; manage Regional procurement committee processes as needed. 
• Coordinate reporting and follow up of decisions made in Regional Procurement Committees 
• Provide procurement expertise and support to cross-functional teams and budget managers

Requirements

Successful candidates will embody our organizational culture and mission to support entrepreneurs. Our work environment is fast-paced, positive, solutions-oriented, and we have very high standards. 

Qualifications Include:

• Bachelor’s Degree in Finance, Business Administration, Supply Chain Management, or related field.
• Six years of experience in finance or procurement/supply chain management
• Strong knowledge of procurement principles, practices, and regulations.
• Proven experience in negotiating contracts, cost-savings, and managing supplier relationships.
• Excellent communication and interpersonal skills to drive to conclusions
• Planning skills, excellent attention to detail, and ability to work on deadline are a must
• Strong analytical and problem-solving skills, with a focus on driving continuous improvement and cost-savings strategies
• Proficiency in procurement software, such as ERP systems, e-procurement platforms, and MS Office 
• Socially responsible procurement practices are strongly preferred, including procurement processes which favor small-businesses, women and refugee-run businesses, and green business. 

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KEY RESPONSIBILITIES

Product Strategy & Innovation

• Lead the end-to-end design of financial products and services with a forward-looking (2+ years) perspective.
• Align product strategy with client needs, financial inclusion goals, and Inkomoko’s portfolio quality and growth targets.
• Integrate Shariah-compliant principles into relevant product development streams.
• Maintain a pipeline of innovative product ideas informed by client data, market intelligence, and global best practices.
• Define and maintain programme segmentation frameworks ensuring products align with client capacity, risk tolerance and growth potential.

Product Prototyping, Testing & Iteration

• Design and manage pilot programs to test new or revised products, tools, or lending methodologies.
• Partner with MERL and client service teams to collect and analyze feedback during pilots.
• Use insights from pilots, portfolio data, and client experience to refine product features and delivery channels.
• Ensure scalability and operational feasibility before full rollout across country operations.
• Ensure product design integrates with Inkomoko’s training and advisory services to strengthen repayment outcomes.

Product Optimization & Performance Monitoring

• Track product performance against adoption, client outcomes, operational efficiency,  and client satisfaction metrics. Work with the Credit Risk team to review repayment performance and portfolio health to inform product refinement.
• Partner with Credit risk and Portfolio Analytics teams to integrate early-warning signals into product iteration.
• Continuously refine loan origination tools, client onboarding processes, and branch-level productivity measures.
• Surface insights from field data to inform product improvements and delivery mechanisms.

Cross-functional Collaboration

• Partner with the Head of Credit Risk & Compliance, Credit Operations, and Systems & Digital to ensure risk-aligned, compliant, and technology-enabled product rollouts.
• Work closely with Country Heads of Investment to ensure products are adapted to local contexts and effectively delivered through branches.
• Collaborate with Legal and Shariah Compliance Officer to ensure regulatory and religious compliance.

Team Leadership & Capacity Building

• Supervise and mentor the Shariah Compliance Officer and Product team members.
• Provide technical coaching and support to branch-based Loan Officers and Support Officers to enhance product delivery.
• Build team capacity in product design, client-centric approaches, and emerging fintech solutions.
• Foster a culture of innovation and continuous improvement within the Product function.

Market Scanning & Competitive Intelligence

• Identify opportunities for new lending methodologies, digital tools, and financial inclusion innovations relevant to displacement-affected markets.
• Continuously monitor financial services, fintech, and microfinance trends across Inkomoko’s markets.
• Benchmark Inkomoko products against competitors and identify differentiation opportunities.
• Lead exploration of new technologies (e.g., mobile lending, AI-driven credit scoring) that enhance value for clients.

Requirements

Minimum Qualifications:

• Bachelor’s degree in Finance, Economics, Business, or related field (Master’s preferred).
• 10+ years of experience in financial product development, financial inclusion, fintech, microfinance, or MSME lending.
• Proven experience designing or managing financial products for underserved markets.
• Experience working with cross-functional teams including risk, operations, and technology to launch scalable financial products.
• Strong understanding of lending methodologies, pricing, and client segmentation.

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The Head of Credit Risk and Compliance is responsible for leading Inkomoko’s second line of defense at the country and group levels, ensuring robust credit risk oversight, compliance, and portfolio resilience. This role provides technical leadership in risk strategy, portfolio diagnostics, stress testing, and regulatory compliance while ensuring alignment with global best practices and local regulatory frameworks. The Head integrates data-driven analytics, reporting, and governance systems to identify vulnerabilities and guide decision-making. Working closely with Investments, Product, and Systems teams, this role strengthens the organization’s credit discipline and embeds a risk-aware culture across operations.

KEY RESPONSIBILITIES

 Portfolio Risk Analysis & Mitigation

• Lead credit risk strategy across the loan lifecycle, from client segmentation and underwriting to recovery strategy.
• Define and standardise portfolio monitoring practices including arrears management, restructuring frameworks, and write-off procedures across all markets.
• Conduct portfolio diagnostics, loss causation analysis, and vulnerability assessments across all markets.
• Design, implement, and maintain credit scoring models, risk rating systems, loan provisioning frameworks, and stress testing methodologies.
• Develop and manage scenario planning tools, early warning systems, and risk appetite thresholds.
• Provide actionable insights and recommendations for monthly risk committee reviews and leadership decision-making.
• Monitor portfolio risk appetite thresholds by segment, product, and geography, ensuring exposure remains within approved limits.
• Strengthen data governance and portfolio data integrity within credit systems to ensure accurate reporting and decision-making.

Data Integration, Analytics & Reporting

• Build and maintain risk dashboards, KRIs, and portfolio performance reports using Power BI, SQL, or similar tools.
• Integrate risk analytics into Inkomoko’s Core Banking System (Mifos), accounting, and reporting platforms.
• Champion the adoption of predictive analytics, credit scoring algorithms, and AI/ML-driven approaches to enhance decision-making.
• Standardize reporting formats and ensure timely delivery of risk intelligence to senior leadership and regulators.

Governance, Compliance & Second-Line Oversight

• Serve as a second line of defense, reviewing credit decisions, escalation protocols, and exceptions to policy.
• Operationalise and enforce the Group Credit Policy by translating policy principles into underwriting guidelines, documentation standards, and monitoring frameworks across all countries.
• Ensure full adherence to internal credit policies, AML/KYC frameworks, and country-specific regulatory requirements.
• Oversee loan provisioning, reconciliations, and compliance with IFRS9 and local financial regulations.
• Support audit preparedness and ensure transparent reporting to regulators, boards, and internal stakeholders.

Cross-Functional Leadership & Risk Culture

• Collaborate with Investments, Product Development, MEL, IT, and Legal teams to embed risk protocols into credit operations.
• Partner with the Director of Credit Risk & Analytics to align risk strategies with organizational growth, impact, and sustainability objectives.
• Support reporting requirements for regulators, donors, and internal governance structures by ensuring portfolio data and risk reporting meet required standards.
• Champion a risk-aware culture through training, communication, and knowledge-sharing across countries and departments.
• Serve as a key voice in risk committees and governance forums, ensuring effective challenge and independent oversight.

Team Leadership & Development

• Build, lead, and mentor a team of risk analysts and compliance specialists, ensuring clear KPIs and accountability.
• Recruit and develop talent through structured coaching, technical upskilling, and growth pathways.
• Design and deliver organization-wide training programs on credit risk management, portfolio monitoring, and compliance.
• Foster a high-performance culture that emphasizes proactivity, accuracy, and continuous improvement.

Requirements

Minimum Qualifications:

• Bachelor’s in Finance, Risk Management, Statistics, Data Science, or related field. (Master’s preferred)
• 10+ years of experience in credit risk, portfolio analytics, or financial risk roles in banking, fintech, or MFI settings.
• Hands-on experience designing credit scoring models, stress tests, and early warning frameworks.
• Proficiency in data tools such as Power BI, SQL, R, Python, or Tableau.
• Familiarity with Core Banking Systems (e.g., Mifos), and standards such as IFRS9, AML/KYC.