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 750+ 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. Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply.
ABOUT THE OPPORTUNITY AND RESPONSIBILITIES
The Director of Credit Risk and Analytics is responsible for leading and overseeing the back-office functions that underpin Inkomoko’s financial services operations. This role provides strategic direction and operational oversight across risk management, digital systems, and analytics to ensure scalable, data-driven, and compliant delivery of Inkomoko’s lending and investment activities. The Director ensures high performance of departmental teams and alignment with the organization’s impact goals through strategic foresight, strong cross-functional collaboration, and innovation.
Key Responsibilities
Departmental Leadership & Strategy
- Provide strategic direction for all back-office credit functions, including credit operations, risk monitoring, reconciliations, and portfolio analytics, ensuring alignment with the organization’s mission and 5-year outlook.
- Design and implement enterprise-wide credit risk and digital financial strategies that balance growth and sustainability.
- Oversee the department’s Balanced Scorecard implementation, ensuring KPIs are met and resources are effectively deployed.
Risk Management Oversight - Develop and embed robust second line of defense systems, including credit policy enforcement, risk monitoring frameworks, reconciliations, and compliance protocols.
- Surface emerging risks and lead proactive mitigation initiatives across countries, ensuring portfolio sustainability.
- Champion risk-based thinking across all investment and product functions, embedding a culture of accountability and foresight.
Technology and Systems Oversight
- Oversee the evolution and strategic use of the Core Banking System, ensuring it supports operational efficiency, scalability, and user experience.
- Lead development of credit scoring algorithms, early warning systems, and digital lending innovations that enhance decision-making and client engagement.
- Ensure technology adoption across back-office credit workflows to strengthen controls and improve client outcomes.
Data & Analytics for Decision Making
- Drive the delivery of timely, accurate, and insightful dashboards and performance reports to inform leadership decisions.
- Lead development of predictive analytics and performance forecasting models to anticipate portfolio trends.
- Collaborate with cross-functional leaders on financial modeling and scenario planning to guide strategy.
Team Development and Collaboration
- Recruit, mentor, and develop a high-performing team of managers and specialists across risk, systems, credit operations, and analytics.
- Foster a culture of innovation, continuous improvement, and collaboration across front- and back-office credit functions.
- Cascade coaching, feedback, and accountability to strengthen execution and ownership.
Compliance & Regulatory Readiness
- Ensure credit risk, systems, and digital finance protocols comply with regulatory standards across all countries of operation.
- Proactively assess compliance risks and maintain readiness for internal and external audits.
- Align policies and systems with evolving industry regulations and best practices.
WE ARE LOOKING FOR SOMEONE WITH:
- Master’s degree in Finance, Risk Management, Information Systems, or related field.
- 10+ years of progressive experience in risk, systems, or operations in banking, fintech, or financial inclusion environments.
- At least 5 years in a senior leadership or cross-functional management role.
- Experience managing Core Banking Systems, digital financial platforms, or enterprise risk systems.
- Experience working in multi-country operations and regulatory contexts.
- Knowledge of digital lending, microfinance, or financial inclusion in underserved markets.
COMPETENCIES
- Thinks and Plans Strategically - Identifies opportunities using future-focused thinking (5+ years ahead); creates a strategic path to operationalize work plans
- Coaches - Facilitates skill development by asking the right questions and providing motivational feedback; enables others and builds their confidence and self-esteem to solve problems independently.
- Manages Complexity - Making sense of information to effectively solve problems
- Leadership - Operates with commitment to values and culture, while supporting the growth and development of others.
EXPECTED BEHAVIOURS
- Drives Balanced Scorecard targets at the departmental level and ensures progress across workstreams.
- Communicates the strategic importance of the Risk and Systems functions to Inkomoko’s mission.
- Conducts inclusive and strategic hiring to strengthen department capabilities.
- Ensures new staff are welcomed, trained, and integrated successfully.
- Identifies and responds to unforeseen risks and opportunities, escalating when needed.
- Cultivates leadership within their team, mentoring managers to extend coaching and accountability.
- Oversees departmental financial performance using data to inform decisions.
- Creates and delivers clear communications to internal and external stakeholders.
- Ensures regulatory compliance across systems and processes.
- Leads scenario planning to forecast department needs and mitigate risks.
- Identifies partnerships and technology solutions to expand Inkomoko’s operational advantage.
- Leverages networks to bring in top talent and resources.
- Models continuous learning and professional growth.
ATTITUDE
- Embodies and reinforces Inkomoko’s values in decision-making, communication, and leadership.
- Coaches and inspires with humility and authenticity.
- Centers client outcomes and field realities in departmental strategies.
- Champions ownership, inclusion, and recognition within the team.
- Takes initiative in interdepartmental collaboration and learning.
WHAT YOU’LL GET
This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:
- 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
- Ability to make a significant social impact to your community
- 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 application through the jobs portal.
Tell us about what you’ll bring to this growing company.
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.
