THE OPPORTUNITY & RESPONSIBILITIES

Inkomoko Kenya Investment Support Associate is responsible for the items below:

DUE DILIGENCE AND INVESTMENT PREPARATION (50%)

• Support in the compilation of pipelines. 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.
• Provides necessary information for investment contracts’ preparation and execution and follow up for disbursement of investment upon fulfillment of conditions. Maintain a healthy portfolio.
• 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 Portfolio Manager, and assist in preparing credit reports for Investment Committee meetings.
• 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.

PORTFOLIO MANAGEMENT (30%)

• Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.
• Work with the Inkomoko Kenya Business Development 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. • Interact with government leaders, community leaders 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

INVESTMENT MANAGEMENT SYSTEM (20%)

• Maintain and demonstrate proficiency with investment software applications. Participate in the training of system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance.
• 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.
• Ensure the lending team is provided with updates and procedural changes.
• Participates in the review and recommendations of operational systems and procedures.
• Successfully interacts with lending staff to improve accuracy and efficiencies of the Investment management system.
• Prepare related reports and administer the system.
• Other duties as assigned by the supervisor.

CANDIDATE QUALIFICATIONS

Investment Support Associate will be a trusted partner of Inkomoko Kenya clients, and basic qualifications Include:

• Degree in Finance or other related field,
• Experience in Islamic lending and practice is an added advantage,
• Strong financial and accounting skills; familiarity with business financial policies in Kakuma.
• 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
• 2+ years of work experience in relevant or applicable field
• Fluency and Excellent communicator to audiences in English, Swahili.
• Must be able to work in Kenya legally and based in Kakuma

COMPETENCIES

We are looking for someone who will;

• 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.

• Support in the compilation of pipelines. 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.
• Provides necessary information for investment contracts’ preparation and execution and follow up for disbursement of investment upon fulfillment of conditions. Maintain a healthy portfolio.
• 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 Portfolio Manager, and assist in preparing credit reports for Investment Committee meetings.
• 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 Kenya Business Development 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. • Interact with government leaders, community leaders 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.
• Maintain and demonstrate proficiency with investment software applications. Participate in the training of system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance.
• 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.
• Ensure the lending team is provided with updates and procedural changes.
• Participates in the review and recommendations of operational systems and procedures.
• Successfully interacts with lending staff to improve accuracy and efficiencies of the Investment management system.
• Prepare related reports and administer the system.
• Other duties as assigned by supervisor

• Strong financial and accounting skills
• Familiarity with business financial policies in Kakuma
• Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs
• 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
• Previous experience in litigation
• Unrelenting perseverance
• Personal integrity
• Critical thinking skills
• Fluency and Excellent communicator to audiences in English, Swahili

• Degree in Finance or other related field
• Experience in Islamic lending and practice is an added advantage
• 2+ years of work experience in relevant or applicable field
• Must be able to work in Kenya legally and based in Kakuma