Internship | Job Vacancies at Inkomoko

Investment Operations Associate – Kakuma at Inkomoko

The Investment Operations Associate at Inkomoko plays a crucial role in ensuring the smooth functioning of the lending process, supporting the lending team, and providing excellent customer service to borrowers.

The following are some of the key responsibilities of an Investment Operations Associate are;

LOAN PROCESSING & CLIENT SERVICING (20%)

• Verify the loan applications and documentation
• Ensure compliance with the lending policies and regulations
• Prepare loan files for review by the lending team
• Respond & resolve customer inquiries, 
• Maintain a positive relationships with borrowers

DATA ENTRY & RECORD-KEEPING (45%)

• Enter accurate data into loan management systems
• Maintain loan records 
• Update borrower information
• Organize and maintain loan documents
• Ensure loan documents are filed correctly and can be accessed easily when needed
• Maintain accurate and up-to-date records of loan applications, processing, and disbursement

REPORTING & COMPLIANCE (25%) 

• Generate reports on loan applications, processing times, and other key performance metrics to assist in decision-making by the lending team
• Ensure compliance with lending policies, regulations, and procedures
• Communicate any issues to the lending team.

PROCESS IMPROVEMENT & COORDINATION (10%)

• Identify areas for process improvement and advise the team
• Recommend changes to improve the efficiency and effectiveness of the lending process
• Coordinate with other departments within the organization to ensure smooth functioning of the lending process

Requirements

Investment Operations Associate will be a trusted partner and basic qualifications Include:

• A University degree in Finance or other related field
• Must speak fluent English and Swahili
• Experience in loan management, microfinance, capital leases, and access to finance for Micro and Small businesses is STRONGLY preferred
• Prior experience dealing with customers/debt in a lending environment
• Prior experience in Loan management system software 
• 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
• At least 2 years of work experience in relevant or applicable field
• Must be able to legally work in Kenya

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Recovery Officer – Kakuma at Inkomoko

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

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.
• Knowledge and familiarity of Kakuma and Kalobeyei is a plus.
• Minimum of 2 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

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Client Relationship Officer – Kakuma at Inkomoko

We are looking for a motivated and experienced Client Relationship Officer (CRO) to join our team. You will be responsible for managing and maintaining strong relationships with our customers. You will communicate with our customers in a professional and courteous manner, as well as resolve customer issues and complaints.

• The CRO will manage a portfolio of clients and ensure their needs are met in a timely and efficient manner. This includes responding to client inquiries, resolving issues, escalation and doing follow ups.
• Engage all of our clients on a regular basis, conduct interviews in order to  identify, address any client concerns or issues and ensure customer satisfaction
• Develop presentations for new clients to help them understand how the Inkomoko capital can help them.
• Update clients and customers on their portfolio activity and success
• Develop and implement  marketing strategies to grow the customer base
• Build a strong customer relationship management strategy to ensure customer satisfaction
• Manage and triage customer support ‘incidents’ and escalations
• Maintain a perfect understanding of Inkomoko service offering to provide accurate presentations.
• Monitor and analyze results and Implementing changes accordingly
• Lead on-site customer meetings and training
• Use of Customer Support tools, procedures, processes, and metrics
• Represent Inkomoko in the local business community and at conferences or other events
• The CRO will work collaboratively with other members of the investment team to ensure that clients receive the best possible service and investment advice.
• Maintain and organize client investment files

Requirements

WHO WE ARE LOOKING FOR

The ideal candidate will fulfill the following requirements:

• Minimum of a Bachelor’s Degree in a related field
• A minimum of 4 years of experience in a client-facing role in financial institutions in Kenya
• Excellent communication skills, both verbal and written in English & Swahili. Local language is an added advantage.
• Understanding of micro-businesses, loans and savings products will be an addition.
• Must have excellent customer service skills to provide the best possible support and service to clients.
• Excellent computer skills, especially with MS Excel and Word
• Strong interpersonal skills.
• Strong presentation and organizational skills
• Ability to work well in a team environment and in a fast-paced environment
• Critical-thinker and problem-solver
• Shows perseverance, personal integrity, and critical thinking skills

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Market Systems Development Senior Associate at Inkomoko

Specific responsibilities include:

Program Management, Diagnostics and Strategy  (20% of the time)

• Lead rigorous market systems diagnostics and value chain assessments in priority sectors—including livestock, solar energy, finance, logistics, agriculture, textiles, FMCG, and manufacturing—to uncover systemic constraints, incentive structures, and leverage points for inclusive, sustainable change.
• Map and engage a diverse range of market actors—including producers, buyers, service providers, and policy influencers—to strengthen core and supporting market functions and foster well-functioning market linkage systems. Maintain a database of enterprises and identify those with high potential to crowd in and scale inclusive practices.

Intervention Design and implementation (30% of the time)

• Co-design and facilitate catalytic, market-driven interventions that address systemic constraints and root causes of market underperformance. Interventions should be facilitative, reinforcing existing market functions and incentivizing local actors to lead and sustain change.
• Solicit , formally and informally potential partnerships through the development of TORS, Call for applications and Partnership requests to onboard different private and public sector actors to design and implement interventions
• Use adaptive management principles to adjust interventions based on ongoing market analysis, stakeholder feedback, and learning.
• Promote inclusive business models that create value for marginalized market actors, including refugees and host communities. Facilitate the crowding-in of market actors by demonstrating commercially viable solutions, ensuring interventions are scalable, cost-effective, and anchored in market incentives rather than direct service delivery.

Partnerships & External Relations (25 % of the time)

• Facilitate and maintain strategic relationships with private sector actors to co-create and support inclusive market opportunities for clients. Support the design and implementation of market-facing activities, such as exhibitions, buyer-seller forums, and trade events, that enhance clients’ visibility and access to end markets.
• Engage proactively with start-ups and SMEs to identify systemic barriers to growth, co-develop pathways for upscaling.
• Cultivate a robust network of private sector firms, producer organizations, and relevant development partners—particularly those engaged in agriculture, livestock, retail, and industrial productivity—to foster collaboration and alignment across the market system.
• Develop MoUs, grant agreements, or technical assistance packages with partners based in negotiations and alignment with the 
• Facilitate co-creation of business models or behavior changes that address market constraints.
• Manage and nurture ongoing partnerships — acting as a trusted advisor rather than a service provider.

M&E and Adoptive management (10 % of the time)

• Lead the use of technology-enabled tools to systematically collect, record, and manage entrepreneur and market actor data to support evidence-based service delivery and adaptive programming.
• Write intervention plans, concept notes, learning briefs, and success stories. Share learnings internally (within the MSD team) and externally (with partners, other programs, or donors)
• Maintain clear and concise intervention logs and updates for internal and donor reporting.
• Oversee the development and use of tools to monitor market actor behavior change, such as the adoption of inclusive business models, investment in support services, and improved market relationships.
• Design and maintain intervention-specific results chains and systemic change frameworks, clearly articulating the linkages between program activities, outputs, outcomes, and intended market system shifts.
• Co-design and implement robust M&E frameworks, including both quantitative and qualitative indicators, to track changes in market systems, particularly in areas such as actor behavior, crowding-in, and inclusion of marginalized groups.
• Ensure high standards of data quality, consistency, and security across all interventions, supporting accurate analysis and real-time decision-making.

Market linkage activities (10% of the time )

• Support in the design and execute market linkage services like buyer engagement, tender distributions, buyer and supplier connections, etc, to enable clients to expand their businesses 
• Work with consulting business advisors and Investment officers to identify clients suitable for market linkage opportunities.
• Provide recruitment and training support, as needed. 
• Lead market linkage initiatives by sharing key learnings internally, coordinating with business development and investment teams to identify high-potential clients, and supporting them in accessing and utilizing market opportunities. 

Management & Administration (5% of the time )

• Contribute to the development of annual objectives, strategies, and work plans for BGS, ensuring alignment with organizational priorities and MSD principles.
• Lead administrative planning for intervention roll-out, including budgeting, procurement requests, and compliance with internal financial and operational procedures.
• Manage project resources effectively, ensuring responsible use of funds, timely reporting on expenditures, and adherence to donor and organizational guidelines.
• Maintain accurate and up-to-date documentation of project activities, partner communications, contracts, and operational tools in line with data management standards.
• Supervise or coordinate with support staff (e.g., finance, admin, logistics) to ensure seamless implementation of field activities and operational support across locations.
• Participate in internal coordination meetings, contribute to reporting cycles, and provide updates on progress, risks, and administrative needs

Requirements

We are looking for candidates who have previously held Market Systems and project management roles , access to finance interventions ,with demonstrated success, and who align with our company values.

• 5+ years of demonstrated success in program management of complex projects, Market systems programs. 
• Master’s degree preferred, or Bachelor’s degree in Project Management, Business administration, value chain management or related field 
• Experience with designing and implementing projects with a market-systems approach and/or to create market linkages in Kenya  
• Experience working with micro and small businesses as well as overall market dynamics, financial markets and Financial inclusion
• Has a sound of understanding of challenges refugees and the local community face with regards to business growth.
• Highly analytical and organize
• Excellent creative and innovative thinking skills 
• Fluency in English and Swahili required.  Any other local language is a plus

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