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 7 million 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: Be 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.
POSITION SUMMARY
Inkomoko supports entrepreneurs in displacement-affected communities to build sustainable businesses, increase household income, and become self-reliant. This is made possible through training, market linkages, and direct investment via our revolving fund, which offers affordable conventional and Shariah-compliant financial products.
The Head of Credit Risk and Compliance is responsible for leading Inkomoko’s second line of defense at the country and group levels, ensuring robust credit risk oversight, compliance, and portfolio resilience. This role provides technical leadership in risk strategy, portfolio diagnostics, stress testing, and regulatory compliance while ensuring alignment with global best practices and local regulatory frameworks. The Head integrates data-driven analytics, reporting, and governance systems to identify vulnerabilities and guide decision-making. Working closely with Investments, Product, and Systems teams, this role strengthens the organization’s credit discipline and embeds a risk-aware culture across operations.
KEY RESPONSIBILITIES
1. Portfolio Risk Analysis & Mitigation
- Lead credit risk strategy across the loan lifecycle, from client segmentation and underwriting to recovery strategy.
- Define and standardise portfolio monitoring practices including arrears management, restructuring frameworks, and write-off procedures across all markets.
- Conduct portfolio diagnostics, loss causation analysis, and vulnerability assessments across all markets.
- Design, implement, and maintain credit scoring models, risk rating systems, loan provisioning frameworks, and stress testing methodologies.
- Develop and manage scenario planning tools, early warning systems, and risk appetite thresholds.
- Provide actionable insights and recommendations for monthly risk committee reviews and leadership decision-making.
- Monitor portfolio risk appetite thresholds by segment, product, and geography, ensuring exposure remains within approved limits.
- Strengthen data governance and portfolio data integrity within credit systems to ensure accurate reporting and decision-making.
2. Data Integration, Analytics & Reporting
- Build and maintain risk dashboards, KRIs, and portfolio performance reports using Power BI, SQL, or similar tools.
- Integrate risk analytics into Inkomoko’s Core Banking System (Mifos), accounting, and reporting platforms.
- Champion the adoption of predictive analytics, credit scoring algorithms, and AI/ML-driven approaches to enhance decision-making.
- Standardize reporting formats and ensure timely delivery of risk intelligence to senior leadership and regulators.
3. Governance, Compliance & Second-Line Oversight
- Serve as a second line of defense, reviewing credit decisions, escalation protocols, and exceptions to policy.
- Operationalise and enforce the Group Credit Policy by translating policy principles into underwriting guidelines, documentation standards, and monitoring frameworks across all countries.
- Ensure full adherence to internal credit policies, AML/KYC frameworks, and country-specific regulatory requirements.
- Oversee loan provisioning, reconciliations, and compliance with IFRS9 and local financial regulations.
- Support audit preparedness and ensure transparent reporting to regulators, boards, and internal stakeholders.
4. Cross-Functional Leadership & Risk Culture
- Collaborate with Investments, Product Development, MEL, IT, and Legal teams to embed risk protocols into credit operations.
- Partner with the Director of Credit Risk & Analytics to align risk strategies with organizational growth, impact, and sustainability objectives.
- Support reporting requirements for regulators, donors, and internal governance structures by ensuring portfolio data and risk reporting meet required standards.
- Champion a risk-aware culture through training, communication, and knowledge-sharing across countries and departments.
- Serve as a key voice in risk committees and governance forums, ensuring effective challenge and independent oversight.
5. Team Leadership & Development
- Build, lead, and mentor a team of risk analysts and compliance specialists, ensuring clear KPIs and accountability.
- Recruit and develop talent through structured coaching, technical upskilling, and growth pathways.
- Design and deliver organization-wide training programs on credit risk management, portfolio monitoring, and compliance.
- Foster a high-performance culture that emphasizes proactivity, accuracy, and continuous improvement.
Minimum Qualifications:
- Bachelor’s in Finance, Risk Management, Statistics, Data Science, or related field. (Master’s preferred)
- 10+ years of experience in credit risk, portfolio analytics, or financial risk roles in banking, fintech, or MFI settings.
- Hands-on experience designing credit scoring models, stress tests, and early warning frameworks.
- Proficiency in data tools such as Power BI, SQL, R, Python, or Tableau.
- Familiarity with Core Banking Systems (e.g., Mifos), and standards such as IFRS9, AML/KYC.
Preferred:
- Experience working across multiple regulatory environments.
- Background in financial inclusion or emerging markets, especially serving refugee or informal entrepreneurs.
- Prior experience in team leadership or coaching high-performing risk or analytics teams.
Competencies
We are looking for someone who;
- Synthesizes Data - Leverages key information, data, and insights to enhance both client and team member experiences.
- Adapts Approach to Situations - Adjusts the team's approach to meet the shifting demands of impact; able to quickly adapt to suit the context and drive to positive outcomes for their department.
- Enhances Competitive Advantage - Creates new and better ways to drive organizational success, with a future-focused mindset (at least 2 years ahead), through innovation and leveraging external relationships and opportunities.
- Uses his/her Technical expertise to coach and guide staff to meet and exceed expectations.
WHAT YOU’LL GET
This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:
- Competitive salary, and potential annual 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 CV, and tell us why you are the right fit for this opportunity.
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.
