Investment Officer- Gaga

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, 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.

ABOUT THE OPPORTUNITY & RESPONSIBILITIES

Inkomoko Chad  Investment Officer is responsible for the items below: 

DUE DILIGENCE AND INVESTMENT PREPARATION (60%): 

• Respond to inquiries from prospective borrowers; support them to apply for our facility/investment products. 
• Introduce the investment products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing. 
• Conducts investment appraisal, collects detailed information (personal, business, and guaranties), and arranges to open a new investment account. 
• Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Advisors and Business Associates, etc. 
• Communicate all materials to the Senior Investment Officer/Investment Manager, and assist in preparing credit reports. 
• Take photos of entrepreneurs, have them sign photo waivers, and ensure entrepreneurs’ stories are posted on the Kiva platform for fundraising with all correct information. 

• Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers. 
• Work with the Inkomoko Business Growth Services team to ensure borrower success, and Visit clients for monitoring. 
• Maintain both delinquency and default rates below set rates during yearly goal setting, 
• 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. 
• Work with the Finance & Admin team to produce invoices for payments and monthly reconciliation of investment department transactions. 
• Interact with government leaders, court systems and others for follow up on lack of payments. 
• Ensure that we are adhering to the requirements of our Kiva partnership, including reporting and journaling. 
• Other duties as assigned by supervisor
  

• Update both disbursements and investment repayments in the Investment Management System (CBS by Mifos)
• Maintain and demonstrate proficiency with investment 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
• Ensure proper segregation of duties, develop and maintain work flows for all stages of investment 
• Advise the Management team how to automate key lending processes
• Supervise all aspects of the investment operations. This supervision includes posting of payment, payoffs, and balancing, disbursing investment funds
• Ensure lending team 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 Investment management system 
• Prepare related reports and administer the system
• Other duties as assigned by supervisor 

MINIMUM REQUIREMENTS AND QUALIFICATIONS:

Investment officer will be a trusted partner of Inkomoko Capital clients, and basic qualifications Include:

• A University degree in Finance or other related field

• Must speak fluent  French, Arabic, and English
• Experience in group savings and group lending is strongly preferred
• Experience in group lending products developments
• Experience in loan management, microfinance, capital leases, and access to finance for Micro and Small businesses is STRONGLY preferred
• Prior experience dealing with customers/debt in a lending environment
• Experience providing business advice to entrepreneurs
• Prior experience in Loan 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
• At least 2 years of work experience in relevant or applicable field
• Open to local candidates only (residents of the departments of Ouara and Assoungha)
• hold a job seeker's card from ONAPE.

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.

• Fluent in Technology  – Uses technology effectively to work efficiently and achieve desired outcomes.

WHAT YOU’LL GET

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.

TO APPLY

If you have matching qualifications for the role, please submit your cover letter and CV. 

APPLICATION DEADLINE: Apply before September 15, 2026 at 4:00 PM Central Africa Time.

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.