Recovery Officer-Addis Ababa

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 900+ 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 THE OPPORTUNITY & RESPONSIBILITIES

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. Specifically the Recovery Officer responsibilities include:

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
• 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 (30%)

• Monitor allocated portfolio of default 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
• 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

Customer Engagement ( 10%)

• Maintain professional relationships with borrowers while pursuing recovery objectives.
• Advise clients on repayment options and obligations.
• Address client inquiries on customer overdue loans.

Reporting (10%)

• Compute weekly PAR report including; product, individuals and SMES PAR analysis
• Preparation weekly,  monthly and quarterly recovery reports for credit reviews.
• Provide updates on recovery progress, challenges and recommendations..
• Analyze recovery trends and suggest improvement measures.

Legal and compliance support (10%)

• Prepare and update accounts for legal action when necessary.
• Ensure compliance to Inkomoko’s Credit Policy and Procedures regarding management of debt recovery process
• 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

WHO WE ARE LOOKING FOR

The Recovery Officer will be a trusted partner of Inkomoko Ethiopia, and basic qualifications Include:

• Degree in Finance or other related field
• Must speak fluent English and Amharic. Oromifa Lanuage is an advantage
• A minimum of 3 year of direct work experience in group savings and group lending 
• 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

Competencies:

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: July 12, 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.