Current Openings at M-KOPA

• Are you ready to embark on an exhilarating adventure with M-KOPA, a connected financing platform that serves the financially excluded across Africa? We are on a mission to empower communities and drive economic prosperity, and we need a Retail Operations and Expansion Manager to join us on our journey in South Africa.

The Challenge Awaits:

• Imagine traversing the vibrant streets of South Africa, scouting out the perfect spots to set up M-KOPA's shops. As our Retail Expansion Lead, you will be at the forefront of our expansion efforts, shaping the landscape of financial inclusion in South Africa.

Your Role:

• Your adventure begins with identifying potential areas ripe for M-KOPA's transformative impact. Armed with your keen eye for opportunity and your knack for negotiation, you will secure prime locations for our shops. ensuring they shine brightly amidst the bustling streets.
• Once the lease is sealed, the real fun begins. You will transform empty spaces into vibrant shops of innovation and empowerment, coordinating branding efforts and outfitting our shops with all the essentials to dazzle our customers.
• But your journey doesn't end there. You will be the guardian of our retail shops, ensuring they remain pristine and welcoming to all who enter. From maintaining properties to managing inventory, your attention to detail will keep our shops running smoothly and efficiently.

What You Bring:

• You are not just a retail expert; you are a visionary. With at least 3 years of experience in the retail field, you know what it takes to open new shops and set them up for success.
• South Africa is your playground, and you know it like the back of your hand. Your understanding of the local landscape, coupled with your exceptional negotiation skills, makes you a force to be reckoned with.
• But it's not just about the technical skills. It's about passion, determination, and a hunger for making a difference. You are ready to roll up your sleeves and dive headfirst into the adventure of a lifetime.

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• We are looking for a Junior Fraud Investigator to join our Fraud Department group, as we scale up and drive digital and financial inclusion across our markets.
• As a Junior Fraud Investigator, you will play a pivotal role in ensuring diligence and accountability by conducting fraud investigations and collaborating with teams to develop proactive strategies. You will support the enforcement of disciplinary measures, liaise with law enforcement on confirmed fraud cases, and provide actionable insights to enhance fraud prevention and business operations.

Expertise

• We expect candidates to have a strong background in fraud investigation and the ability to work independently in both field and desktop environments. You should be comfortable interacting with multiple stakeholders, including law enforcement, customers, and sales teams. The role requires a proactive mindset and a professional approach to handling sensitive fraud cases while adhering to set timelines.
• Candidates must possess a Fraud-related certification (e.g., Certified Fraud Examiner - CFE), along with 2-3 years of experience in investigations or a related field. A solid understanding of criminal justice systems and experience working directly with law enforcement agencies are essential. Proficiency in Microsoft Office tools (Excel, PowerPoint, Word) and excellent communication skills (both written and verbal) are also required.
• If you are someone who is passionate about ensuring integrity in operations and eager to contribute to a mission of financial inclusion, you will find this role both rewarding and challenging.

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• We are looking for a Customer Experience Researcher to join our Customer Insights group; as we scale up and drive digital and financial inclusion across our markets.

Job Purpose

• As part of the Customer Department, you'll help capture the voices of our customers and agents, digging deep to uncover their needs and challenges. Your insights will directly inform business improvements and fuel innovations that truly matter

What will you do?

• In this role, you’ll be at the heart of our data collection efforts, gathering both qualitative and quantitative insights. You’ll conduct research surveys via phone, SMS, and other platforms, and facilitate focus groups with customers and agents.
• Your keen attention to detail and commitment to confidentiality will ensure that our data collection is top-notch, and your observations will help shape our strategic decisions.
• This is a hybrid role in South Africa reporting to the Research Operations Lead.

Expertise

• We’re looking for someone who’s not only passionate about our mission but also thrives on collaboration and clear communication. If you’ve conducted customer surveys before, have experience with data collection, or speak local languages, this could be the perfect opportunity for you. We value individuals who are proactive problem-solvers, great listeners, and always ready to learn and adapt.
• This role offers a fantastic opportunity for recent graduates or anyone interested in research to grow and make an impact.

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• We are looking for a Customer Insights - Senior Associate to join our Customer Insights group; as we scale up and drive digital and financial inclusion across our markets.

Job Purpose

• As part of the Customer Department, you'll help capture the voices of our customers and agents, digging deep to uncover their needs and challenges. Your insights will directly inform business improvements and fuel innovations that truly matter.

What will you do?

• In this role, you’ll be at the heart of our data collection efforts, gathering both qualitative and quantitative insights. You’ll conduct research surveys via phone, SMS, and other platforms, and facilitate focus groups with customers and agents.
• Your keen attention to detail and commitment to confidentiality will ensure that our data collection is top-notch, and your observations will help shape our strategic decisions.
• This is a hybrid role in South Africa reporting to the Research Operations Lead.

Expertise

• We’re looking for someone who’s not only passionate about our mission but also thrives on collaboration and clear communication. If you’ve conducted customer surveys before, have experience with data collection, or speak local languages, this could be the perfect opportunity for you. We value individuals who are proactive problem-solvers, great listeners, and always ready to learn and adapt.
• This role offers a fantastic opportunity for recent graduates or anyone interested in research to grow and make an impact.

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• We are looking for a Chief of Staff to join our leadership group; as we scale up and drive digital and financial inclusion across our markets.
• As Chief of Staff you will report directly to the CEO and will be responsible for supporting and acting on behalf of the CEO on core strategic and operational projects across the business. Working closely with the CEO and senior executive team, you will be a key member of M-KOPA management.

About this role;

• Problem-solving thought-partner
• Acting as a thought partner, strategic advisor and confidant to the CEO and leadership team
• Providing a wide-ranging and critical viewpoint, analysis and recommendations so that effective decisions can be taken by the CEO and broader leadership team
• Setting company strategy and objectives
• Facilitating effective strategy meetings for the leadership team, and working hand-in-hand with the leadership team in the development and prioritisation of the company’s strategic plans and initiatives
• Championing the company’s vision and strategy, and creating the culture and momentum to deliver the agreed goals
• Spearheading special projects: managing and leading early-stage or high priority strategic projects that are prioritised by the senior executive team and CEO. The intention is to incubate new projects that can then be transitioned to permanent owners once they have been set up for success
• Supporting the CEO with overall company and stakeholder management
• Acting as an integrator who provides two-way communication channels between less senior staff members and the CEO’s office/leadership team, and connects work streams to ensure that none get siloed
• Managing and nurturing relationships with key stakeholders, investors, and partners
• Leading the preparation of content for meetings with the senior executive team, and facilitating discussions during these meetings
• Managing relationships with the Board of Directors, including preparing strategic discussion materials for board meetings and engaging with Board members in between meetings to get their input on company strategy
• Work closely with the CEO’s Executive Assistant to ensure smooth delivery of administrative tasks including scheduling, travel, board material distribution, etc.

Expertise
What We’re Looking For:

• Passionate about our mission of making financing for everyday essentials accessible to everyone
• +/-5 years work experience, preferably including 2 year’s management consulting experience
• Prior exposure to senior management and Board of Directors
• Experience working in Africa
• A strategic outlook and ability to refine, communicate and execute business strategy
• Excellent problem-solving skills, with ability to analyse complex information and draw relevant conclusions
• Excellent stakeholder management skills, including the ability to set and communicate direction, and build strong external relationships
• Compelling communicator both orally and in writing, able to concisely articulate complex arguments and ideas
• Loves fast-moving environments and has the the drive, tenacity and ability to take charge of situations, work quickly and constructively on resolving problems and implementing systems and processes that are fit for purpose
• Education: minimum requirement a bachelor’s degree

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• We are looking for a Legal and Compliance Counsel to join our Legal group; as we scale up and drive digital and financial inclusion across our markets.
• The main purpose of the jobholder is to provide commercial, legal and compliance advice to M-KOPA's
• South African operations, while also supporting the M-KOPA Group's broader legal and compliance functions.

In this role you will be responsible for the following;

• Giving accurate and timely counsel to the business in a variety of legal topics including regulations, licensing, compliance, labor law, corporate transactions, commercial matters, data privacy, intellectual property among others.
• Providing day to day advice on data privacy matters as well as supporting M-KOPA’s data protection team to implement broader strategic initiatives, conduct data privacy audits, support the Company’s record of processing activities, conducting privacy impact and similar assessments, in addition to implementing new initiatives.
• You'll be helping manage disputes and court cases. Anticipating and managing legal and compliance risks connected with or resulting from the company's business strategy and operations. Monitoring changes in relevant legal and regulatory environment and taking appropriate action including overseeing the systems/processes that ensure the Group complies with all applicable regulations.

Expertise required for this role;

• LL.B degree in Law with extensive post qualification experience, ideally in a regional or international law firm, or as in-house counsel in financial services, consumer lending, or financial technology companies.
• Strong team player who can work under pressure in a fast paced, dynamic environment with the ability to adapt to change.
• Must be admitted an Attorney in South Africa.
• Strong legal experience with a mixture of exposure to corporate, commercial, disputes, compliance and data privacy matters. Experience specifically with the National Credit Act/National Credit Regulations a plus.
• Strong written and oral communication skills with a strong English command.

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• We are looking for a Strategy and Operations Manager to join our South Africa Operations team, as we scale up and drive digital and financial inclusion across our markets.
• Collaborating across teams, you will work as a proactive contributor and strategic coordinator, driving high-impact projects that enhance operational efficiency, support new product launches, and promote customer acquisition and retention. Emphasizing data-driven insights, you will enable informed decision-making and optimize cross-functional initiatives to further M-KOPA's mission of expanding digital and financial inclusion across South Africa

Expertise

• Our ideal candidate is an agile thinker who can work cross-functionally to coordinate high-impact initiatives that support our South African market growth. You should be comfortable collaborating across teams and functions, driving strategic projects from planning through execution, and delivering on critical business priorities.
• We’re looking for someone with strong data analysis and project management skills who can harness insights to inform business decisions and continuously improve our operational processes. If you value data-driven strategy, thrive in fast-paced environments, and are committed to advancing financial inclusion in Africa, you may have what it takes to join M-KOPA and help shape our future.

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• We are looking for a Customer Retention Manager to join our Strategy and Operations team as we scale up and drive digital and financial inclusion across our markets.
• As the Customer Retention Manager, you will oversee and drive the daily operations of our retention team. This includes hiring and developing retention representatives and team leads, designing sales campaigns, and implementing strategies to maximize conversion rates and revenue. You will act as a servant leader, coach, and contributor, ensuring that the team achieves high-quality output and consistently exceeds targets, all while fostering a customer-centric culture.
• In this role, you will manage all aspects of our telesales operations, from outbound and inbound campaigns to specialized retention projects, helping the team deliver exceptional results. By leveraging your expertise in sales techniques and performance analytics, you will play a key role in ensuring that every customer interaction aligns with M-KOPA's values. This position offers an exciting opportunity to contribute to a life-changing impact, while growing your career within a fast-paced and innovative organization.
• You will report directly to the Senior Customer Care Manager.

Expertise

• We are looking for a seasoned leader with a proven track record in telesales, campaign management, and team coaching. To excel in this role, you should have strong skills in strategy development, data analysis, and performance optimization, along with the ability to inspire and lead a high-performing team.

Key Qualifications

• You must hold a bachelor’s degree in Business Management or a related field and have at least 5 years of experience in a corporate environment, preferably within the BPO or call center industries. Proficiency in MS Excel, combined with exceptional presentation, communication, and interpersonal skills, is essential. A results-driven mindset, along with experience in CRM systems, is critical to succeeding in this role.
• If you are passionate about making a difference and enjoy driving strategic growth through retention efforts, we would love to hear from you. Join us and help us transform lives through innovation and exceptional customer engagement.

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• We are looking for a Junior Fraud Investigator to join our Fraud Department group, as we scale up and drive digital and financial inclusion across our markets.
• As a Junior Fraud Investigator, you will play a pivotal role in ensuring diligence and accountability by conducting fraud investigations and collaborating with teams to develop proactive strategies. You will support the enforcement of disciplinary measures, liaise with law enforcement on confirmed fraud cases, and provide actionable insights to enhance fraud prevention and business operations.

Expertise

• We expect candidates to have a strong background in fraud investigation and the ability to work independently in both field and desktop environments. You should be comfortable interacting with multiple stakeholders, including law enforcement, customers, and sales teams. The role requires a proactive mindset and a professional approach to handling sensitive fraud cases while adhering to set timelines.
• Candidates must possess a Fraud-related certification (e.g., Certified Fraud Examiner - CFE), along with 2-3 years of experience in investigations or a related field. A solid understanding of criminal justice systems and experience working directly with law enforcement agencies are essential. Proficiency in Microsoft Office tools (Excel, PowerPoint, Word) and excellent communication skills (both written and verbal) are also required.
• If you are someone who is passionate about ensuring integrity in operations and eager to contribute to a mission of financial inclusion, you will find this role both rewarding and challenging.

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• We are looking for a Senior Analytics Engineer to join our Analytics Department; as we scale up and drive digital and financial inclusion across our markets.
• As a Senior Analytics Engineer, your day-to-day work will include building easy to understand and consistently modelled datasets to serve metrics, dashboards and exploratory analysis; including building data transformation pipelines, primarily by using SQL and Python in dbt, and Airflow infrastructure.
• You will collaborate primarily with cross-functional product and engineering teams with some additional internal business units to gather requirements, understand business needs, and deliver data-driven recommendations.
• For us applying best practices is important in order to build reliable, well tested, efficient, documented data assets.

Expertise

• Our expectation is that you have extensive experience with Python, Java and proficiency in SQL. Additionally, working with data warehouse technologies, and with BI tools such as Looker or Tableau and dimensional data modelling for analytics / big data infrastructures would make you an ideal candidate for the role.
• Experience working with orchestration systems such as airflow working with dbt will equally be essential for this role.

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• We are looking for Senior Backend Engineers to join our Repayments product group as we grow and expand our market impact and reach. We use the latest technologies and architectures to build fantastic solutions that help us provide digital and financial inclusion to our customers across our operational markets.
• ''As an engineer in either of the groups, you will work as a collaborator, more senior members will coach and contribute placing an emphasis on high quality output observability and monitoring as well as automated testing in all environments, including production. One team in particular uses infrastructure as code demonstrating the unique nature of some of our work.''
• We have a mix of legacy services and greenfield microservices, so if you love the challenge of improving a legacy codebase while working on new projects then this might just be the role for you.

Expertise

• Our expectations are that you would be comfortable working as part of a team which owns the entire software stack, including the supporting infrastructure, throughout the entire software lifecycle from inception, through production and right the way to decommissioning under a DevOps culture.
• If you also value the constraints that continuous delivery places upon engineering processes and embrace testing and observability as first order concerns in the development of software, you probably have what it takes to join one of the teams and help shape our future.
• We are looking for good grasp of / and experience with C#.NET, Event Driven Systems, microservices, testing and Deployment.

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• We are seeking a dynamic Senior / Lead Human Resources Compensation & Benefits Specialist with a deep understanding of the Sub-Saharan African talent landscape coupled to experience in startup/scaleup culture.
• The ideal person will possess strong analytical skills, a strategic mindset, and the ability to design competitive compensation and benefits packages that attract and retain top talent.
• Familiarity with regional labour laws around renumeration and a passion for fostering a positive workplace culture are essential.
• Join us in shaping the future of our organization!
• This is not a junior or mid level role. This is a Senior team role in a growing organization.