Position: Credit Analyst Manager - Regional
Job Time: Full-Time
Job Type: Permanent
Place of Work: ****** - Ethiopia
Posted date: 2 weeks ago
Deadline: May, 31/2024 (6 days left)

About the Company

Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive. Founded in 2012, Inkomoko has worked with more than 60,000 entrepreneurs across East Africa, including thousands of refugee entrepreneurs.

Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest lender to refugee entrepreneurs in Africa.

Inkomoko has 450+ staff in 30 offices across Rwanda, Kenya, Ethiopia, and South Sudan. Through Inkomoko’s 2030 strategic plan, we are adding 4 additional countries to improve the lives of more than 7.6M people by serving more than 550,000 entrepreneurs and investing $150M into refugee & host communities across Africa.

Company 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.
  • 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

As a Credit Analyst Manager, you will play a critical role in managing the financial aspects of investment portfolios. You will be responsible for conducting in-depth financial analysis, assessing credit risk, and providing strategic recommendations to optimize the performance of the investment portfolio. Additionally, you will oversee a team of analysts to achieve organizational objectives.


  • Financial Analysis: Conduct comprehensive financial analyses to assess the creditworthiness of borrowers, evaluate loan structures, and identify potential risks and opportunities.
  • Risk Management: Develop and implement risk management strategies to mitigate credit, market, and operational risks associated with lending activities.
  • Investment Operations Oversight: Oversee investment operations, including loan origination, underwriting, servicing, and collections, to ensure adherence to internal policies, regulatory requirements, and industry best practices.
  • Team Management: Lead and mentor a team of lending finance analysts, providing guidance, training, and support to enhance their skills and performance.
  • Financial Reporting: Prepare and present accurate and timely financial reports, performance metrics, and analysis to senior management and regulatory authorities.
  • Process Improvement: Continuously assess lending processes and systems to identify areas for improvement, streamline workflows, and enhance operational efficiency.
  • Collaboration: Collaborate cross-functionally with other departments, such as risk management, compliance, legal, and IT, to ensure alignment of lending finance activities with overall business objectives.
  • Compliance: Stay abreast of relevant laws, regulations, and industry standards governing lending practices, ensuring full compliance and adherence to ethical standards.
  • Strategic Planning: Contribute to the development and execution of strategic initiatives and business plans related to lending finance, aligning with organizational goals and objectives.

Minimum Qualifications

The Credit Analyst Manager will be a trusted partner of Inkomoko clients, and basic qualifications Include:

  • Bachelor's degree in Finance, Accounting, Economics, or a related field; advanced degree (e.g., MBA, CFA) preferred
  • Must speak fluent English. Knowledge of other local languages is a plus
  • Strong understanding of financial principles, credit analysis techniques, and regulatory requirements related to lending activities.
  • Excellent analytical skills with the ability to interpret complex financial data, identify trends, and make strategic recommendations.
  • Proven experience (3+ years) in financial analysis, risk management, and lending operations within the financial services industry.
  • Excellent analytical skills with a keen eye for detail and accuracy.
  • Ability to work efficiently under pressure, prioritize tasks, and meet tight deadlines.
  • Strong communication and interpersonal skills, with the ability to collaborate effectively across teams.
  • Knowledge of regulatory requirements and compliance standards relevant to investment operations.
  • Solid leadership and team management capabilities, with the ability to motivate, coach, and develop team members.
  • Proficiency in financial modeling, data analysis tools, and Microsoft Office suite.
  • Knowledge of lending software and systems (e.g., loan origination systems, credit scoring models) is a plus.
  • Commitment to integrity, professionalism, and ethical conduct in all aspects of work.

What You'll Get

  • This role is inside a high-growth, mission-driven social enterprise. By joining, you’ll access:
  • Competitive salary, and potential Goal-based bonus
  • Incredible company culture, including deep investment in your learning and growth
  • Diverse colleagues and policies that show our commitment to equity and inclusion
  • Talented, passionate, and committed team colleagues across the region
  • Ability to make a significant social impact to your community
  • Generous health insurance, staff savings, parental leave, sabbatical, and more benefits.

How to apply

If you’re excited about this role, please submit your application through the application portal.

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.