o Respond to inquiries from prospective borrowers; support them to apply for our
facility/investment products.
o Introduce the investment products to entrepreneurs, explaining the
requirements for repayment and the seriousness of taking on debt financing.
o Conducts investment appraisal, collects detailed information (personal, business,
and guaranties), and arranges to open new investment account.
o Prepares and executes investment contracts and arranges for disbursement of
investment in kind.
o Conduct due diligence on prospective borrowers, including site visits, document
preparation, coordination with the Business Development Advisors and Business
Associates, etc.
o Communicate all materials to the Portfolio Manager, and assist in preparing
credit reports for Investment Committee meetings.
o 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.
o Offer excellent customer service through daily conversations, correspondence,
and site visits as needed to maintain strong positive relationships with
borrowers.
o Work with the Inkomoko Kenya Business Development Services team to ensure
borrower success, and Visit clients for monitoring.
o Maintain both delinquency and default rates below set rates during yearly goal
setting,
o Track information about borrowers and communicate effectively with key
stakeholders about client status.
o Actively participate as key staff in the weekly Portfolio Review Meeting.
o Maintain a tracking system of borrower payments and contact information.
o Work with the Finance& Admin team to produce invoices for payments and
monthly reconciliation of investment department transactions.
o Interact with government leaders, court systems, and others for follow-up on
lack of payments.
o Ensure that we are adhering to the requirements of our Kiva partnership,
including reporting and journaling.
o Other duties as assigned by the supervisor
o Update both disbursements and investment repayments in the Investment
Management System (LMS-powered by Odoo)
o Maintain and demonstrate proficiency with investment software applications
o Work with system providers to utilize applications to their fullest capacity,
streamlining processes and procedures, ensuring accuracy and compliance
o Assist with system parameters and design to meet the needs of multiple
departments.
o Manage user security access
o Ensure proper segregation of duties, develop and maintain workflows for all
stages of investment
o Advise the Management team on how to automate key lending processes
o Supervise all aspects of the investment operations. This supervision includes
posting payments, payoffs, and balancing, disbursing investment funds
o Ensure the lending team is provided with updates and procedural changes
o Participates in the review and recommendations of operational systems and
procedures
o Successfully interact with lending staff to improve the accuracy and efficiencies
of the Investment management system
o Prepare related reports and administer the system
o Other duties as assigned by supervisor.
o University degree in Finance or other related fields
o Must speak fluent English and Swahili. Knowledge of other local languages is a
plus
o Experience in group savings and group lending investments is preferred
o Experience in Islamic lending and practice is STRONGLY preferred
o Strong financial and accounting skills; familiarity with business financial policies
in Turkana/Kenya
o Experience in investment management, microfinance, capital leases, and access
to finance for Micro businesses and SMEs is STRONGLY preferred
o Prior experience dealing with customers/debt
o Prior experience in a lending environment
o Experience providing business advice to entrepreneurs
o Prior experience in Investment management system software
o Decisive individuals with the ability to deliver unpleasant messages to the
debtors and assertive enough to get the debtors to pay off the entire debt
o Experience in managing difficult clients and reaching positive outcomes
o Very strong attention to detail and good follow-through
o Comfort with the civil court system and previous experience in litigation
preferred
o Unrelenting perseverance, personal integrity, and critical thinking skills
o 2+ years of work experience in relevant or applicable field
o Must be able to work in Kenya legally.