Responsibilities

Specifically, the position responsibilities include:

Lending Strategy Development: Formulate, communicate, and execute Lending strategies aligned with the organization's objectives and risk tolerance. Identify market trends, opportunities, and potential risks to drive informed Lending decisions.

Team Leadership: Provide strong leadership to the Lending team, fostering a collaborative and results-oriented environment. Set performance expectations, provide coaching and mentorship, and ensure professional growth of team members.

Risk Management: Develop and implement risk management strategies to mitigate potential losses. Work closely with the risk management team to ensure compliance with internal and external regulations.

Client Relations: Build and maintain strong relationships with clients, understanding their Lending preferences and long-term financial goals. Provide transparent communication and updates on portfolio performance.

Performance Reporting: Prepare regular Lending performance reports and present them to senior management, clients, and stakeholders. Use data-driven insights to illustrate the effectiveness of Lending strategies.

Financial Forecasting: Collaborate with finance and accounting teams to develop financial models, forecasts, and projections related to Lending activities. Ensure accurate budgeting and resource allocation.

Compliance and Ethics: Ensure compliance with legal, regulatory, and ethical standards in all Lending activities. Uphold the highest level of integrity and professionalism in all interactions.

Expansion & External Relations

● In consultation with the Regional Portfolio Director, develop the refugee program and SMEs lending expansion strategies in Ethiopia.

● Setting up Ethiopia lending training and coaching all lending teams  while maintaining a health portfolio in Ethiopia.

● Implement refugee lending expansion in Ethiopia and work in deep collaboration with Ethiopia’s Managing Director.

● Support government relations, legal registration, and compliance with local lending regulation; 

● Lead all Inkomoko Ethiopia lending staff across the locations, setting Goals, performance reviews, and maintaining strong oversight to produce deliverables for various stakeholders.

● Plan and manage the budget, staffing, and other resources to effectively deliver lending program outcomes in Ethiopia.

● Ensure lending in Ethiopia programs comply with applicable donors and local laws and central bank of Ethiopia (CBE) regulation.

● Represent Inkomoko at relevant external meetings, including taking initiative to identify opportunities for outreach, collaboration, and partnerships that can support and accelerate Inkomoko growth.

● Communicate effectively with donors and other stakeholders to ensure relationships are developed and maintained that promote program and organizational success.

● Regular travel to country offices and other events required by the Regional Portfolio Director.

Portfolio Management

● Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.

● Work with the Business Development Services team 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 key staff in the weekly Portfolio Review Meeting.

● Maintain a tracking system of borrower payments and contact information.

● Interact with government leaders, the court system, refugee has and host communities’ stakeholders and others for follow up on lack of payments.

● Ensure that all lending staff in Ethiopia are adhering to the requirements of our Kiva partnership, including reporting and journaling.

● Active monitoring of loan repayments and overall performance.

● Loan assessment, appraisal, and disbursement.

● Chairing credit/facility committees under the Head of investment’s approval rights,

Other duties as assigned by the supervisor.

Job Requirements

● 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

If you’re excited about this role, please submit your application through the application portal THIS LINK. Tell us about what you’ll bring to this growing company. 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 submitting an application, the job applicant confirms his/her understanding of these recruitment procedures.