Terms of Reference (TOR) for Apache FINERACT/Mifos (CBS) Developers
DUTY STATION
Rwanda / Kenya / Ethiopia / South Sudan / Chad
DURATION OF CONTRACT
3 months (extendable based on project milestones and workload)
REPORTING TO
Software Development Lead
BACKROUND & RATIONALE
As part of the digital transformation agenda and ongoing automation of organizational processes, we are strengthening our FINERACT/Mifos ecosystem to support operations and project management.
The Developer will play a key role in developing, customizing, integrating, and maintaining various modules aligned with business requirements. This role ensures the stability, scalability, and effi ciency of core operations while adhering to best software engineering, DevOps, and QA practices.
OBJECTIVES OF THE ASSIGNMENT
Enhance, customize, and integrate the CBS, IMS, and related systems to improve operational effi ciency, data accuracy, and user experience. Specifi cally, the assignment aims to:
● Review and correct loan computations - including prepayment, restructuring, penalties, and late fee logic to ensure fi nancial accuracy.
● Enhance loan workfl ows - enabling rejection to previous stages, undoing of stages, activation of rejected loans, and effective group loan handling.
● Strengthen external integrations - with partner banks and mobile money platforms such as Equity Bank, Bank of Kigali, MTN, Ethio Telco, BGMFI, and Akufada MFI.
● Improve IMS–CBS synchronization - focusing on data validation, rejection handling, and bulk document management for demographic and client records.
● Optimize reporting and dashboards - including PMR, interest accrual, insurance, and UNHCR reports with enhanced loan classifi cation and arrears tracking.
● Streamline data governance - through improved migration processes, user access rights, location mapping, collateral tracking, and CRB verifi cation controls.
● Enhance system usability - adding features such as password reset, better document visibility, optional next-of-kin details, and PWD inclusivity.
SCOPE OF WORK & KEY RESPONSIBILITIES
A. Fineract & Mifos Development and Customization
● Enhance and customize CBS, IMS, and integrated modules to align with business requirements.
● Modify and extend core system functionalities in Java-Springboot, Angular - JavaScript, and MySQL.
● Implement automated loan workfl ows, approval hierarchies, and integration processes with partner systems and fi nancial institutions.
B. Integration & API Development
● Design and implement RESTful APIs to integrate Fineract/Mifos with external systems (IMS, Odoo, Partner Systems, etc.).
● Ensure secure and reliable data exchange using authentication standards (OAuth2, JWT) and proper error handling.
C. Database Management
● Ensure optimal database design, performance tuning, and query optimization.
● Implement robust backup, recovery, and disaster recovery procedures.
D. QA, Security & Compliance
● Implement and maintain automated tests (unit, integration, and regression).
● Ensure data security at rest and in transit through encryption and role-based access controls.
● Support audit readiness through detailed documentation.
E. Collaboration & Documentation
● Work closely with DevOps, QA, and business analysts for sprint delivery.
● Maintain technical and functional documentation for all developed modules.
● Participate in code reviews, design discussions, and sprint retrospectives.
DELIVERABLES
● Functional and stable Fineract/Mifos modules for all assigned workloads (loans, payments, reports, and client management).
● Integration scripts, API endpoints, and detailed documentation for CBS, IMS, mobile money, and other external systems.
● Secure, backed-up, and optimized Fineract/Mifos databases.
● Test cases, QA reports, and validation of implemented workfl ows and loan processes.
● Monthly progress, system improvement, and status reports highlighting feature deployment, bug fi xes, and performance enhancements.
WHO WE ARE LOOKING FOR
Essential:
● 5+ years of Fineract & Mifos development experience (backend and frontend).
● Strong profi ciency in Java-Spring boot, MySQL, Angular - JavaScript, and RestAPIs.
● Understanding of Linux environments and Git-based version control.
Preferred:
● Experience integrating Fineract with external APIs or ERP systems.
● Familiarity with DevOps tools (Docker, Jenkins, Github Actions).
● Knowledge of fi nancial or NGO-based ERP processes.
DEPEDENCIES & TOOLS
● Environment: Ubuntu/Linux servers
● Tools: Jenkins, GithubActions, Docker, VSCode, PyCharm
● Database: Mysql
● Security: SSL/TLS, Fail2Ban, encrypted backups
● Documentation: Confl uence / GitHub Wiki
WHAT YOU’LL GET:
This consultancy is inside a mission-driven social enterprise, with an incredible team across Africa. By joining Inkomoko, 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.
HOW TO APPLY
If you’re excited about this consultancy, can start immediately, and have skills to match, please submit your resume and compensation expectations through the application portal.
Deadline: Open until filled. Applications are reviewed on a rolling basis, please apply now!
Inkomoko seeks 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. Contracting is conditional upon successful background checks and other verification as needed.
All offers of contracting 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 submitting an application, the applicant confirms his/her understanding of these recruitment procedures.
INKOMOKO VALUES
All staff at Inkomoko are connected to a shared set of organizational values:
- Purpose: be solutions-oriented, produce high-quality work, 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, 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.