About Inkomoko
Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.
In 2025, Inkomoko was listed by the Financial Times as the 8th fastest-growing company in Africa, supporting entrepreneurs across East and Central Africa to grow thriving businesses and build inclusive, resilient economies.
Founded in 2012, Inkomoko has worked with more than 100,000 entrepreneurs, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest investor to refugee entrepreneurs in Africa.
Inkomoko has 800+ staff in 50 offices across Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Through Inkomoko's 2030 strategic plan, we are adding 3 additional countries to serve more than 550,000 entrepreneurs and growing our $30M loan fund to impact 7M lives.
INKOMOKO VALUES
All staff at Inkomoko are connected to a shared set of organizational values:
Purpose: be solutions-oriented, produce high-quality work, and be a global leader
Achievement: push yourself to reach beyond what you previously thought possible.
Improvement: be humble, engage in continuous growth through open & accurate feedback
Bravery: willing to take risks, create a safe space for others, be compassionate, and inclusive
We Eat Goat: we celebrate success and support each other in hard times. We do this work together in the spirit of turikumwe, tuko pamoja, abren nen, Kula na sawa, On est ensemble
Inkomoko is an affirmative action/equal opportunity employer. Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply.
About The Opportunity & Responsibilities
The Investment Officer will be a trusted partner of Inkomoko Ethiopia clients with the responsibilities below:
DUE DILIGENCE AND INVESTMENT PREPARATION (60% time):
Respond to inquiries from prospective borrowers; support them to apply for our facility/investment products.
Introduce the investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
Conducts investment appraisal, collects detailed information (personal, business, and guaranties), and arranges to open a new investment account.
Prepares and executes investment contracts and arrange for disbursement of investment in kind.
Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Advisors and Business Associates, etc.
Communicate all materials to the Investment Manager, and assist in preparing credit reports for Investment Committee meetings.
Take photos of entrepreneurs, have them sign photo waivers, and ensure entrepreneurs' stories are posted on the Kiva platform for fundraising with all correct information.
PORTFOLIO MANAGEMENT (20% time)
Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.
Work with Inkomoko Ethiopia Business Development Services team to ensure borrower success, and Visit clients for monitoring.
Maintain both delinquency and default rates below set rates during yearly goal setting,
Track information about borrowers and communicate effectively with key stakeholders about client status.
Actively participate as a key staff in the weekly Investment Review Meeting.
Maintain a tracking system of borrower payments and contact information.
Work with the Finance & Admin team to produce invoices for payments and monthly reconciliation of investment department transactions.
Interact with government leaders, court systems and others for follow up on lack of payments.
Ensure that we are adhering to the requirements of our Kiva partnership, including reporting and journaling.
Other duties as assigned by the supervisor
INVESTMENT MANAGEMENT SYSTEM (20% time)
Update both disbursements and investment repayments in the Investment Management System (LMS-powered by Odoo)
Maintain and demonstrate proficiency with investment software applications
Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance
Assist with system parameters and design to meet the needs of multiple departments.
Manage user security access
Ensure proper segregation of duties, develop and maintain work flows for all stages of investment
Advise the Management team how to automate key lending processes
Supervise all aspects of the investment operations. This supervision includes posting of payment, payoffs, and balancing, disbursing investment funds
Ensure lending team is provided with updates and procedural changes
Participates in the review and recommendations of operational systems and procedures
Successfully interact with lending staff to improve accuracy and efficiencies of Investment management system
Prepare related reports and administer the system
Other duties as assigned by the supervisor
Requirements
WHO WE ARE LOOKING FOR
University degree in Finance or other related field
Must be fluent in English,Amharic, local languages spoken at Gambella region
Experience in group savings and group lending investments is preferred
Strong financial and accounting skills; familiarity with business financial policies in Ethiopia
Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred
Prior experience dealing with customers/debt
Prior experience in a lending environment
Experience providing business advice to entrepreneurs
Prior experience in Investment management system software
Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors 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, and previous experience in litigation preferred
Unrelenting perseverance, personal integrity, and critical thinking skills
3+ years of direct work experience in relevant or applicable field
Must be able to legally work in Ethiopia.
Competencies
We are looking for someone who;
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
Proficient 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:
Meaningful work that directly contributes to sustainable livelihoods and job creation across East and Central Africa
Competitive salary, and potential Performance-based bonus
Incredible company culture, with opportunities for learning and growth
Diverse colleagues across the region, and policies that demonstrate commitment to equity and inclusion
A dynamic and entrepreneurial team environment committed to innovation and social impact
Health insurance for self and family
Staff savings and provident fund, negotiated bank rates for long-term employees
Generous annual leave, parental leave, and sabbatical options.
TO APPLY
If you're excited about this role, please submit your CV, and tell us why you are the right fit for this opportunity.
APPLICATION DEADLINE:
May 25, 2026
Inkomoko is committed to justice, diversity, equity and inclusion. As we seek to reflect the communities we serve, refugees and women are strongly encouraged to apply. As a company we have policies that ensure fair treatment in the application process.
NB: Only shortlisted candidates will be contacted. Employment is conditional upon successful background checks and other verification as needed.
All offers of employment will be subject to satisfactory references and background screening checks. Inkomoko also participates in the Inter Agency Misconduct Disclosure Scheme, In line with this Scheme, we will request information from job applicants' previous employers about any findings of sexual misconduct, fraud, or abuse. By applying, the job applicant confirms his/her understanding of these recruitment procedures.