ABOUT INKOMOKO
Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.
Founded in 2012, Inkomoko has worked with more than 60,000 entrepreneurs across East and Central Africa, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest lender to refugee entrepreneurs in Africa.
Inkomoko has 650+ staff in 40 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. Persons who reflect the diverse communities we serve are strongly encouraged to apply.
ABOUT THE OPPORTUNITY & RESPONSIBILITIES
The Head of Digital Transformation is a new position as part of our growth and will drive the digital strategy of Inkomoko lending, leading initiatives to enhance customer experience, optimize operational efficiency, and integrate cutting-edge financial technologies. This role will oversee the end-to-end digital transformation strategy, ensuring the adoption of innovative solutions to improve lending processes, risk management, and customer engagement while maintaining compliance with regulatory requirements and competitive advantage through digitalization.
Key Responsibilities:
Digital Strategy & Leadership
- Develop and implement a comprehensive digital transformation roadmap aligned with business goals.
- Drive digital innovation across loan origination, underwriting, disbursement, and collections.
- Lead a cross-functional team to embed a digital-first culture across the organization.
- Identify and evaluate emerging technologies (AI, blockchain, cloud computing, etc.) for their application in lending.
- Foster a data-driven decision-making environment to enhance lending performance.
- Stay abreast of industry trends, emerging technologies, and competitive landscapes to ensure the Inkomoko lending remains at the forefront of digital innovation.
Technology & Innovation
- Oversee the implementation of digital lending platforms, automation tools, and AI-powered credit scoring models.
- Modernize legacy systems and integrate cloud-based lending solutions for scalability and efficiency.
- Identify and evaluate new technologies and digital tools that can enhance the Inkomoko lending products, services, and operations.
- Lead the design and implementation of digital platforms, including a client facing loan origination digital tool that integrates with our Core Banking System, mobile banking, online banking, fintech partnerships, API integration with Banks and Telecom plus customer engagement tools.
Customer Experience & Digital Lending Solutions
- Drive the adoption of AI-driven chatbots and digital assistants for customer support.
- Leverage big data and machine learning to personalize loan offerings and improve risk assessment.
- Optimize digital payment solutions for seamless loan disbursement and collection
Operational Efficiency & Risk Management
- Automate credit underwriting and risk assessment using AI and predictive analytics.
- Implement fraud detection and prevention mechanisms to enhance security in digital lending.
- Improve turnaround time for loan approvals through workflow automation and real-time data processing.
- Optimize collections and recovery processes using digital tools and customer behavior analytics.
Stakeholder Management & Compliance
- Work closely with senior leadership, IT, risk, compliance, and product teams to drive digital initiatives.
- Collaborate with fintech companies, technology providers, and third-party vendors for digital lending solutions.
- Ensure adherence to financial regulations, data protection laws, and cybersecurity standards.
- Manage budgets, project timelines, and resource allocation for digital transformation projects.
WHO WE ARE LOOKING FOR
- Bachelor’s or Master’s degree in information technology, Computer Science, or a related field.
- Certifications in digital transformation, fintech, agile methodologies, or risk management are a plus.
- 10+ years of experience in digital transformation, technology leadership, or IT strategy within a lending institution, bank, or fintech across East & West Africa.
- Strong track record of implementing digital lending platforms and automation technologies.
- Experience in AI-driven credit assessment, digital KYC, and alternative credit scoring models.
- Deep understanding of lending regulations, risk management, and cybersecurity best practices.
- Prior experience in implementing the MIFOS CBS in a non-deposit taking financial institution.
- Strategic thinker with strong business and technology acumen.
- Leadership skills with the ability to drive digital change and manage cross-functional teams.
- Expertise in cloud computing, API integrations, AI, and big data analytics for lending.
- Strong project management, analytical, and problem-solving abilities.
- Excellent communication and stakeholder management skills.
WHAT YOU’LL GET:
This role is inside a high-growth, mission-driven social enterprise. By joining Inkomoko, you’ll access:
- Competitive salary, and potential Goal-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 of colleagues across the region
- Ability to make a significant social impact to your community
- Health insurance, staff savings, parental leave, sabbatical, and more benefits.
TO APPLY
If you’re excited about this role, please submit your application through the jobs portal.
Tell us about what you’ll bring to this growing company.
DEADLINE: 10 March 2025. Applications are reviewed on a rolling basis, please apply as soon as possible!
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.
