Open Roles at Inkomoko

ABOUT THIS ROLE

• The Recovery Officer Key responsibility will be to alert, follow up, recover defaulted loans by conducting site visits, coordinating with local authority, manually settling overdue, blocking accounts of overdue clients, and solving the problems with overdue and defaulted clients.

Responsibilities

Loan monitoring (40%)

• Monitor the credit portfolio and evaluate the risk of potential default while recommending recovery solutions
• Identify and escalate repayment irregularities for further management action
• Preparation of monthly portfolio report for Management decision
• Preparation of weekly portfolio reports for credit review meetings
• Compute weekly PAR report including; product, individuals and SMES PAR analysis
• Evaluate product performance through collection and data analysis
• Provide weekly report on turnover on loan accounts
• Maintain an effective trigger reporting system of credit impairments and propose corrective actions
• Provides support to Loan officers, loan managers and compliance officers on Non-performing loans
• Call, visit and send periodic reminders to loan customers on scheduled repayments
• Conduct post disbursement spot checks on customers to confirm loan performance and utilization
• Monitoring defaulters repayments to stop recurrent non-compliance
• Maintain PAR level in compliance with CBK regulations
• Follow up with Finance department to reconcile payments received and real time transaction postings
• Responsible for achieving monthly PAR target
• Negotiate payment plans with defaulters
• Initiate receivership process with the lawyer

Debt recovery (60%)

• Monitor allocated portfolio of delinquent loans facilities to determine reasons for delinquency by application of sound credit judgment, collections strategy and process within predetermined broad policy guidelines and regulation to minimize credit losses
• Ensure compliance to Inkomoko’s Credit Policy and Procedures regarding management of debt recovery process
• Maintain and prepare monthly collections reports, updates and status
• Maintain a consistent reduction of non-performing debts through aggressive recoveries and viable restructuring options
• Undertake regular and frequent calls, site visits, and follow-ups with the borrowers to implement remedial strategies and action plans for loan recovery
• Initiate demand and reminder letters to all defaulting customers and review all credit files for proper documentation and monitoring
• Ensure effective compliance standards are consistently met with both internal and external regulatory requirements by working closely with lawyer
• Develop and continuously review credit and recovery policies and procedures ensuring their compliance

Requirements

CANDIDATE QUALIFICATIONS

The Recovery officer will be a trusted partner of Inkomoko Trustee clients, and basic qualifications Include:

• A university degree in Finance, Business Administration or other related field.
• Must speak fluent English, and Swahili. Knowledge of other local languages is a plus.
• Minimum of 3 years banking of MFIs experience in a credit monitoring /loan recovery role.
• Knowledge of MFIs or banking operations, credit risk management, fraud management, Loan Recovery and Debt Management
• Prior experience dealing with customers/debt collection
• Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
• Comfort with the civil court system, and previous experience in litigation preferred
• Unrelenting perseverance, personal integrity, and critical thinking skills
• Must be able to legally work in Kenya
• Prior Experience working in the locations is a plus

COMPETENCIES

• Manages Diverse Relationships – Relates well to a wide variety of personalities, values differences, and communicates effectively across diverse communication styles, cultures, and backgrounds.
• Takes initiatives to Deliver – Thinks several months in advance, prioritizes objectives, implements reliably, and quickly identifies what will help or hinder goal accomplishment.
• Fluent in Technology – Uses technology effectively to work efficiently and achieve desired outcomes.

Benefits

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.

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CORE CONSULTANCY DUTIES & RESPONSIBILITIES

Business Assessment & Needs Identification

• Engage in intensive, one-on-one virtual discovery meetings with assigned young entrepreneurs to assess their baseline business health and operational bottlenecks.
• Conduct a diagnostic evaluation of the venture's current stage (Idea vs. Build stage) and identify areas requiring critical development.
• Formulate an initial Assessment Report highlighting strategic focus areas where your mentorship will yield the highest impact.

Hands-on Technical Assistance

Provide practical, tailored advisory support across critical business functions to assist founders in utilizing their FAST grant funding effectively:

• Business regulations: Support the entrepreneurs in navigating country-specific business regulations, including taxes and licenses.
• Business Modeling & Strategic Planning: Refine value propositions and develop actionable plans for long-term sustainability.
• Financial Management: Guide founders through basic budgeting, cash flow forecasting, and managing early-stage capital.
• Sales & Marketing: Aid in building target customer acquisition strategies, digital positioning, and localized revenue growth.
• Product & Market Development: Offer strategic insights on Minimum Viable Product (MVP) development, localized market research, and supply chain/inventory management.
• Investment Readiness: Prepare young founders to structure their operations to become attractive for follow-on funding.

Connection Facilitation

• Actively bridge connections between your assigned mentees and external industry experts, regional corporate networks, and potential ecosystem partners.
• Maintain a structured log of these introductions, updating the program team on the progress and outcomes of each network connection.

Group masterclass & Workshops (Optional / Separately Billed)

• Participate occasionally as an expert guest speaker or facilitator in cohort-wide webinars or workshops.
• Note: Leading these broader group learning experiences is optional and will be contracted and compensated under an independent billing structure separate from 1-on-1 mentor sessions.

EXPECTED DELIVERABLES & TIMELINE

All deliverables must be completed and submitted directly to the Program Manager according to the schedule below:

• Tailored Mentorship Plan (End of Week 1): A customized roadmap for each assigned mentee detailing identified gaps, strategic goals, and execution steps for the 6-month period.
• Monthly Progress Reports (Monthly): Concise updates tracking milestone achievements, tracking metrics, business challenges, and suggested course corrections.
• Final Consultancy Report (End of Month 6): A comprehensive closing evaluation detailing the overall development of the enterprise, goals achieved, and explicit next-step recommendations for the entrepreneur’s continued growth.

Requirements

WHO WE ARE LOOKING FOR

• Established Entrepreneurship Background: Must be a founder, co-founder, or prominent leader of an established, operating business. Real-world experience building and scaling a company is required.
• Passion for Youth Development: A demonstrable motivation to give back, coach, and champion young African leaders, especially those from marginalized backgrounds.
• Empathy & Cultural Agility: Prior experience or high comfort working with diverse, vulnerable populations—specifically youth, women, refugees, displaced communities, and people with disabilities.
• Regional Context: Deep familiarity with the socio-economic, business regulations, and market dynamics of the East & Horn of Africa region (specifically across the 7 target countries).
• Reliable Remote Infrastructure: Since this role is 100% remote, consultants must possess stable internet connectivity and the hardware required to conduct consistent weekly virtual meetings.
• Language: Fluency in English is required; knowledge of regional languages (such as Swahili, Amharic, Luganda, Kinyarwanda, or Arabic) is a major asset.

Benefits

WHAT YOU’LL GET:

This consultancy is inside a mission-driven social enterprise, with an incredible team across Africa. By joining, you’ll access:

• The chance to create meaningful results for a high-impact organization at a moment of critical growth
• Incredible company culture – casual yet hard-working environment with plenty of autonomy 
• Diverse colleagues and policies that show our commitment to inclusion
• Talented, passionate, and committed team of colleagues across Africa.