This role is responsible for driving Inkomoko's lending strategies, managing portfolios, and contributing to the overall growth and success of the organization in Kenya. You will lead a team of lending professionals, collaborate with various departments, and provide strategic insights to optimize lending opportunities in the Kenyan market. The role requires regular travel to field locations.
Key Responsibilities
Lending Strategy and Portfolio Growth
- Contribute to the development and execution of lending strategies that expand access to finance for refugees and host communities in Kenya.
- Use portfolio data, demographic trends, and performance insights to inform segmentation, product refinement, and portfolio growth decisions.
- Work closely with the Managing Director (Kenya) and Director of Credit Risk to align lending priorities with country and organizational objectives.
Credit and Portfolio Integrity
- Monitor portfolio performance including demographic metrics, Portfolio at Risk (PAR), recovery actions, and risk trends.
- Oversee loan appraisal, approval, and disbursement in line with Inkomoko standards and delegated authority.
- Ensure documentation, collateral tracking, recovery follow-up, and reporting standards are upheld across the team.
- Prepare and present regular lending performance reports to senior management, partners, and stakeholders using data-driven insights.
- Ensure adherence to Kiva and other partner reporting requirements.
- Conduct client visits for monitoring and relationship management.
Team Leadership & Technical Discipline
- Lead, coach, and develop all lending staff across Kenya locations.
- Set clear performance expectations and conduct performance reviews.
- Build strong investment discipline across the team through mentoring on documentation standards and recovery practices.
- Ensure consistent use of systems, processes, and internal controls while maintaining a healthy portfolio and achieving lending targets.
Compliance, Governance & Risk Management
- Work with the Director of Credit Risk to define and operationalize credit policies and procedures in alignment with organizational objectives, regulatory requirements, and best practices.
- Maintain strong oversight of approval trails, documentation standards, and internal controls.
- Support legal registration and regulatory engagement related to lending activities.
External Representation & Partnerships
- Represent Inkomoko in relevant external forums and meetings.
- Identify and cultivate partnerships that support lending program growth.
- Maintain effective communication with donors and key stakeholders.
Requirements
Who We Are Looking For:
- A Bachelor's or Master's degree in Finance, Business Administration, or a related field is required. Additional certifications or advanced degrees in finance or risk management is a plus.
- 8+ Years of extensive experience in lending, credit risk management, and financial services, preferably in a leadership role.
- Demonstrated success in developing and executing lending strategies and managing loan portfolios.
- In-depth understanding of lending products, credit risk assessment, loan underwriting, and regulatory requirements.
- Familiar with financial analysis, loan pricing models, and industry trends.
- Strong leadership and management abilities to motivate and guide a team of lending professionals.
- Excellent decision-making skills, strategic thinking, and the ability to manage competing priorities.
- Proficiency in financial analysis, risk assessment, and credit evaluation. Ability to interpret complex financial data, identify trends, and make data-driven recommendations.
- Excellent verbal and written communication skills to effectively interact with internal and external stakeholders.
- Strong presentation skills to convey lending strategies and portfolio performance to senior management.
- Proven ability to build and maintain relationships with key stakeholders, such as clients, regulators, and industry peers.
- Strong negotiation and influencing skills to drive business growth and manage partnerships.
How to Apply
Interested and qualified candidates should apply online through the Inkomoko recruitment portal on Workable.
To apply, please visit: Inkomoko on jobs.workable.com
