Digital Transformation Product Manager

ABOUT INKOMOKO

Inkomoko supports entrepreneurs to grow their businesses in order to improve livelihoods, create jobs, and help communities thrive.

In 2026, Inkomoko was listed by the Financial Times as the 5th fastest-growing company in Africa, supporting entrepreneurs across East and Central Africa to grow thriving businesses and build inclusive, resilient economies.

Founded in 2012, Inkomoko has worked with more than 100,000 entrepreneurs, including thousands of refugee entrepreneurs. Inkomoko provides a combination of training, consulting, access to finance, and market-level systems change. We are the largest investor to refugee entrepreneurs in Africa.

Inkomoko has 900+ staff in 50 offices across Chad, Ethiopia, Kenya, Rwanda, and South Sudan. Through Inkomoko's 2030 strategic plan, we are adding 3 additional countries to serve more than 550,000 entrepreneurs and growing our $30M loan fund to impact 7M lives.

INKOMOKO VALUES

All staff at Inkomoko are connected to a shared set of organizational values:

• Purpose: be solutions-oriented, produce high-quality work, and 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, and inclusive.
• We Eat Goat: we celebrate success and support each other in hard times. We do this work together in the spirit of turikumwe, tuko pamoja, abren nen, Kula na sawa, On est ensemble.

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 AND RESPONSIBILITIES

The Product Manager will play a central role in translating Inkomoko's strategic priorities into digital products that meaningfully support refugee and low-income entrepreneurs across multiple countries. This role blends human-centred design, business understanding, and hands-on product delivery, ensuring that solutions are useful, usable, and scalable across diverse operational settings.

The Product Manager also leads the design, development, and continuous improvement of digital products that enable refugee and host-community entrepreneurs to access financial services, business training, advisory support, and market linkages. This includes digital lending tools, financial literacy platforms, business management applications, and data systems used for credit assessment and program delivery.

Key Responsibilities

• Conduct user research and translate insights into prioritized PRDs and user stories.
• Collaborate daily with Engineering, UX/UI, Data, and business stakeholders.
• Drive sprint planning, backlog grooming, UAT, and launch coordination.
• Measure and improve adoption, satisfaction, and impact post-launch.
• Ensure all deliverables comply with Inkomoko's IP Policy and regulatory standards.

Product Strategy & Vision

• Develop and champion a product vision focused on improving financial inclusion, business support and access to finance for refugee and low-income entrepreneurs.
• Translate organizational goals into product strategies, roadmaps, and measurable impact outcomes.
• Identify opportunities for technology innovation in digital lending, alternative credit scoring, business training, and market linkages.

User Research & Human-Centered Design

• Conduct field research, interviews, and usability studies with refugee, host-community, and micro-enterprise users.
• Work with program teams, credit officers, trainers, and community partners to understand user pain points and operational needs.
• Apply design-thinking principles to define user needs, behaviour patterns, and pain points.
• Ensure products are inclusive for low-literacy, low-tech, and low-bandwidth users.
• Translate insights into journey maps, prototypes, user flows, and problem statements.

Product Development & Delivery

• Translate user insights into clear, prioritised PRDs, , user stories, flow diagrams, and product specifications.
• Use AI-enabled tools to accelerate requirement documentation, wireframing, and UAT
• Collaborate with engineering, UX/UI, data, and program teams to deliver high-quality digital products.
• Oversee prototyping, testing, iteration, and rollout of new features-including digital loan applications, scoring engines, mobile dashboards, and training modules.
• Facilitate agile ceremonies and maintain a prioritized product backlog.

Stakeholder Collaboration

• Work closely with program leads, finance teams, MEL/impact teams, and field staff to ensure product alignment with both programmatic and compliance needs.
• Coordinate with external partners such as fintechs, MNOs, integration vendors, and technology providers.
• Communicate product updates, risks, and timelines to internal and external stakeholders.

Product Performance & Continuous Improvement

• Define product KPIs including loan conversion rates, digital adoption, repayment performance, user engagement, and learning outcomes.
• Use data analytics and user feedback to drive continuous improvement.
• Monitor system reliability, security, and user experience; work with technical teams to resolve issues quickly.
• Ensure products comply with data protection, safeguarding, and donor requirements.

Go-to-Market/Production & Change Management

• Support training for field teams, credit officers, and entrepreneurs during product rollout.
• Develop product documentation, playbooks, and help guides.
• Lead pilots, A/B tests, and scale-up plans for digital lending and business support tools.

WHO WE ARE LOOKING FOR

Qualifications & Experience

• 5-7 years in product management or business analysis preferably in:

• Financial inclusion / microfinance
• Digital lending
• Social impact or non-profit technology
• Community or SME business support solutions

• Proven track record shipping digital products (web/mobile/internal tools).
• Strong command of agile practices, user research, and product analytics.
• Experience in fintech, financial inclusion, or multi-country environments is a plus.Experience working with low-income or refugee communities (desired).
• Familiarity with agile methodologies and digital platform development.
• Experience integrating mobile money, USSD, credit scoring, CRM, or LMS systems is an added advantage.

Key Competencies

• Strong understanding of financial inclusion, microfinance workflows, and digital lending operations.
• Excellent ability to gather requirements from diverse stakeholders (technical, programmatic, field).
• Strong analytical and problem-solving skills with a data-driven mindset.

  Human-centered design orientation and deep empathy for vulnerable users.

• Effective communication, workshop facilitation, and stakeholder management skills.
• Ability to balance impact, technology, cost, and operational realities.
• Proficiency with product tools such as Jira, Notion, Figma, Miro, and analytics dashboards.
• User empathy & problem-solving
• Clear written & verbal communication
• Bias for action in fast-paced settings.

WHAT YOU'LL GET

This role is inside a high-growth, mission-driven social enterprise. By joining, you'll access:

• Competitive salary, and potential Performance-based bonus
• Incredible company culture, with opportunities for learning and growth
• Diverse colleagues across the region, and policies that demonstrate commitment to equity and inclusion
• Ability to make a significant social impact to your community
• Health insurance for self and family
• Staff savings and provident fund, negotiated bank rates for long-term employees
• Generous annual leave, parental leave, and sabbatical options.

TO APPLY

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

Tell us about what you'll bring to this growing company.

DEADLINE: 27th July 2026. Applications are reviewed on a rolling basis, please apply as soon as possible!

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 applying, the job applicant confirms his/her understanding of these recruitment procedures.