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 Dadaab.
  
• 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, Somali highly desirable
  
• Must be able to work in Kenya legally and based in Dadaab
  

DUE DILIGENCE AND INVESTMENT PREPARATION (30%)

• 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 (50%)

• 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.