ABOUT INKOMOKO
Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.
In 2026, Inkomoko was listed by the Financial Times as the 5th 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 850+ staff in 50 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 THIS ROLE
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
CANDIDATE QUALIFICATIONS
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 Amharic and Knowledge of the local languages is a plus.
- Minimum of 3 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 Ethiopia
- Enhance communication and collaboration skills by engaging with diverse perspectives, contributing to team discussions, and building relationships with staff and clients.
- Enhance client communication skills to clearly explain services, clarify contract details, and resolve issues effectively.
- Develop strong interpersonal skills to build positive relationships with internal teams and external clients.
- Develop the ability to manage weekly priorities independently, anticipate risks and opportunities, and deliver high-quality work that aligns with team and organizational goals
- Strengthen customer relationship management capabilities to foster professional, trust-based client relationships.
- Build comprehensive product and service knowledge to understand client needs, including specifics such as loan details during recovery processes.
- Develop emotional regulation skills to manage challenging client interactions calmly and professionally, adapting to the diverse needs of clients Inkomoko serves.
C O M P E T E N C I E S
We are looking for someone who;
- Manages Diverse Relationships – Relates well to a wide variety of personalities, values differences, and communicates effectively across diverse communication styles, cultures, and backgrounds.
- Takes initiatives to Deliver – Thinks several months in advance, prioritizes objectives, implements reliably, and quickly identifies what will help or hinder goal accomplishment.
- Proficient in Technology – Uses technology effectively to work efficiently and achieve desired outcomes.
WHAT YOU’LL GET
This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:
- Meaningful work that directly contributes to sustainable livelihoods and job creation across East and Central Africa.
- 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
- A dynamic and entrepreneurial team environment committed to innovation and social impact
- 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.
APPLICATION DEADLINE: May 28, 2026
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.
