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.
THE OPPORTUNITY & RESPONSIBILITIES
Inkomoko Senior Investment Officer is responsible for the items below:
Management (20% time)
- Coordinate loan officer's staff in Inkomoko South Sudan, setting their work plans, and maintaining weekly staff check ins.
- Be aware at all times of key goals and develop daily strategies to achieve those goals in alignment with budget and culture.
- Work with Loan manager and Portfolio Director to plan and manage the budget, staffing, and other resource needs to deliver program outcomes.
- Interpret, apply, and ensure departmental compliance with applicable donors and local policies, laws, and regulations.
- Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.
- Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.
- Represent the company in a highly professional manner in stakeholders' and government meetings and events in the absence of a Loan manager.
- Acting the loan manager in her absence.
- Elevate important trends, risks, and other notable activities to management.
Due diligence and Contracts preparation (40%)
- Respond to inquiries from prospective borrowers, support them to apply for our loan products.
- Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
- Introduce the loan products to SMEs, Refugees and host community entrepreneurs,
- Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associate, etc.
- Communicate all materials to the Loan manager and Portfolio Director, and assist in preparing credit reports for Investment Committee meetings.
- Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.
Portfolio management (20%)
- Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships With borrowers.
- Work with Inkomoko to ensure borrower success, and Visit clients for monitoring.
- Track information about borrowers and communicate effectively with key stakeholders about client Status. Actively participate as a key staff in the weekly Portfolio Review Meeting.
- Maintain a tracking system of borrower payments and contact information.
- Interact with government leaders, cot.Jrt system, refugees and host communities' stakeholders and others for follow up on lack of payments.
- Work with the Finance & Admin Director/Accountant to reconcile the lending transactions.
- Ensure that we are adhering to the requirements of our Kiva, CRB and other regulatory entities.
- Detailed knowledge of lending products
- Other duties as assigned by supervisor
Loan Management System (20% time)
- Maintain and demonstrate proficiency with loan software applications
- Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance
- Assist with system parameters and design to meet the needs of multiple departments.
- Manage user security access.
- Direct loan input (system boarding) and verification procedures for all loans.
- Ensure proper segregation of duties, develop and maintain work flows for all stages of loan input.
- Advise the Management team how to automate key lending processes.
- Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs, and balancing, disbursing loan funds.
- Ensure lending staff is provided with updates and procedural changes.
- Participates in the review and recommendations of operational systems and procedures.
- Successfully interact with lending staff to improve accuracy and efficiencies of Loan management system
- Other duties as assigned by supervisor
WHO WE ARE LOOKING FOR
The Senior Investment Officer will be a trusted partner of Inkomoko clients, and basic qualifications
Include:
- University degree in Finance or other related field,
- Must speak fluent English and South Sudanese Arabic. Knowledge of other local languages is a plus,
- 4+ years of work experience in relevant or applicable field,
- Experience in group savings and group lending investments is preferred,
- Strong financial and accounting skills; familiarity with business financial policies in South Sudan
- Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred,
- Prior experience dealing with customers/debt,
- Prior experience in a lending environment,
- Experience providing business advice to entrepreneurs,
- Prior experience in Investment management system software,
- Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt,
- Experience in managing difficult clients and reaching positive outcomes,
- Very strong attention to details and good follow through,
- Comfort with the civil court system, and previous experience in litigation preferred,
- Unrelenting perseverance, personal integrity, and critical thinking skills.
COMPETENCIES
We are looking for someone who;
- Instills Trust - Follows through on commitments, builds credibility by being direct and truthful, and shows genuine care for staff members.
- Acts with Courage - Steps up to address difficult issues and speaks openly with bravery; takes the initiative to pursue new opportunities; takes full ownership of own work
- Makes Informed Decisions - Seeks relevant data and input when needed, takes appropriate action within their area of responsibility, and knows when to escalate issues or seek guidance.
This role is a tremendous opportunity to work in a high-growth, mission-driven organization. Our compensation includes both a great culture and a competitive market-based package, including:
- Incredible company culture, including deep investment in your learning and growth, and a commitment to inclusion and diversity
- Opportunity to work with a talented, passionate, and committed team of professionals across the region
- Ability to make a significant social impact and contribute to economic growth
- Competitive salary, and potential KPI-based bonus
- Favorable policies like health insurance, staff savings program, parental leave, sabbatical program, and more.
