Jobs at M-KOPA

• We're hiring our first Lead AI Engineer to lead a team that designs, ships, and scales automations and AI agents across M-KOPA. This is a brand-new team within the business - the tech foundation is already proven, and now we need someone to lead it, scale it, and define what it becomes.

The Impact

• Your automations and agents will directly improve how 2,300+ employees work across our global operations. We've already helped over 7 million customers access over $2 billion in credit - and the tools you build will help that mission scale further and faster. It's your chance to be part of something that's literally transforming lives across an entire continent 

The Opportunity

• Mission-driven engineering: Every automation you build helps internal teams and customer-facing staff deliver financial inclusion to Africa's Every Day Earners
• Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022–2025)
• Scale challenges: 2,500+ employees across Kenya, Uganda, Nigeria, Ghana, South Africa, the UK, and Europe - internal teams that can't scale by hiring forever need intelligent tooling that actually works
• Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions

What You'll Do

• At M-KOPA, you'll lead the AI Operations team from day one - owning delivery, growing the function, and proving the value. Your team builds automations and agents for internal use and serves as internal consultants, helping Engineering integrate AI into customer-facing products. Join us in combining cutting-edge AI tooling with purpose-driven work that makes digital and financial inclusion possible across Africa.

Your key responsibilities:

• Lead two AI Ops Engineers — own their delivery, development, and day-to-day work
• Prioritise efficiently — manage competing requests from multiple teams by applying a clear prioritisation framework you'll help develop and improve
• Build and ship automations and agents that measurably improve how internal teams and customer-facing staff work
• Keep the AI tooling stack healthy as usage scales across 2,500+ employees
• Stay current on emerging AI tools and technologies - know what's hype and what's actually useful
• Help refine AI training for the wider organisation, including Engineering teams

Technical Environment 

• AI & Agentic Frameworks: Claude, Claude Code, Anthropic tooling, LangChain, MCP, Google ADK (or similar agentic tooling)
• Automation & Prototyping: Scripting, workflow tools, AI-assisted development, rapid prototyping (Vercel/Railway)
• Enterprise Tooling: Identity automation (Entra), internal platforms, Notion, HiBob integrations
• Existing Foundation: Twelve months of Claude, Notion, HiBob, and Entra automations already running in production

Our Approach

• Build, don't just advise — this is a hands-on team that ships working automations and agents
• Prove the value, then expand — start with two engineers, demonstrate impact, grow from there
• Product-focused mindset — treat internal teams as customers and build tooling that works
• Cut through the hype — evaluate emerging AI tools on practical value, not marketing buzz

What You Need

• We're looking for someone with a strong technical background and product-focused. You won't be building models - we have Data Science teams for that. You'll be building agents, shipping automations, and leading a team that makes M-KOPA's internal operations smarter and faster.

Required Experience:

• Hands-on experience building automations — scripting, workflow tools, or AI-assisted development
• Hands-on experience building agents using agentic frameworks — LangChain, MCP, Google ADK or similar
• Background in enterprise tooling — rapid prototyping tools (Vercel/Railway), identity automation (Entra), or internal platforms
• People leadership experience — you've led or mentored engineers and can own a team's delivery and development

go to method of application »

• We're hiring our first Lead AI Engineer to lead a team that designs, ships, and scales automations and AI agents across M-KOPA. This is a brand-new team within the business - the tech foundation is already proven, and now we need someone to lead it, scale it, and define what it becomes.

The Impact

• Your automations and agents will directly improve how 2,300+ employees work across our global operations. We've already helped over 7 million customers access over $2 billion in credit - and the tools you build will help that mission scale further and faster. It's your chance to be part of something that's literally transforming lives across an entire continent 

The Opportunity

• Mission-driven engineering: Every automation you build helps internal teams and customer-facing staff deliver financial inclusion to Africa's Every Day Earners
• Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022–2025)
• Scale challenges: 2,500+ employees across Kenya, Uganda, Nigeria, Ghana, South Africa, the UK, and Europe - internal teams that can't scale by hiring forever need intelligent tooling that actually works
• Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions

What You'll Do

• At M-KOPA, you'll lead the AI Operations team from day one - owning delivery, growing the function, and proving the value. Your team builds automations and agents for internal use and serves as internal consultants, helping Engineering integrate AI into customer-facing products. Join us in combining cutting-edge AI tooling with purpose-driven work that makes digital and financial inclusion possible across Africa.

Your key responsibilities:

• Lead two AI Ops Engineers — own their delivery, development, and day-to-day work
• Prioritise efficiently — manage competing requests from multiple teams by applying a clear prioritisation framework you'll help develop and improve
• Build and ship automations and agents that measurably improve how internal teams and customer-facing staff work
• Keep the AI tooling stack healthy as usage scales across 2,500+ employees
• Stay current on emerging AI tools and technologies - know what's hype and what's actually useful
• Help refine AI training for the wider organisation, including Engineering teams

Technical Environment 

• AI & Agentic Frameworks: Claude, Claude Code, Anthropic tooling, LangChain, MCP, Google ADK (or similar agentic tooling)
• Automation & Prototyping: Scripting, workflow tools, AI-assisted development, rapid prototyping (Vercel/Railway)
• Enterprise Tooling: Identity automation (Entra), internal platforms, Notion, HiBob integrations
• Existing Foundation: Twelve months of Claude, Notion, HiBob, and Entra automations already running in production

Our Approach

• Build, don't just advise — this is a hands-on team that ships working automations and agents
• Prove the value, then expand — start with two engineers, demonstrate impact, grow from there
• Product-focused mindset — treat internal teams as customers and build tooling that works
• Cut through the hype — evaluate emerging AI tools on practical value, not marketing buzz

What You Need

• We're looking for someone with a strong technical background and product-focused. You won't be building models - we have Data Science teams for that. You'll be building agents, shipping automations, and leading a team that makes M-KOPA's internal operations smarter and faster.

Required Experience:

• Hands-on experience building automations — scripting, workflow tools, or AI-assisted development
• Hands-on experience building agents using agentic frameworks — LangChain, MCP, Google ADK or similar
• Background in enterprise tooling — rapid prototyping tools (Vercel/Railway), identity automation (Entra), or internal platforms
• People leadership experience — you've led or mentored engineers and can own a team's delivery and development

go to method of application »

• We're hiring our first Lead AI Engineer to lead a team that designs, ships, and scales automations and AI agents across M-KOPA. This is a brand-new team within the business - the tech foundation is already proven, and now we need someone to lead it, scale it, and define what it becomes.

The Impact

• Your automations and agents will directly improve how 2,300+ employees work across our global operations. We've already helped over 7 million customers access over $2 billion in credit - and the tools you build will help that mission scale further and faster. It's your chance to be part of something that's literally transforming lives across an entire continent 

The Opportunity

• Mission-driven engineering: Every automation you build helps internal teams and customer-facing staff deliver financial inclusion to Africa's Every Day Earners
• Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022–2025)
• Scale challenges: 2,500+ employees across Kenya, Uganda, Nigeria, Ghana, South Africa, the UK, and Europe - internal teams that can't scale by hiring forever need intelligent tooling that actually works
• Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions

What You'll Do

• At M-KOPA, you'll lead the AI Operations team from day one - owning delivery, growing the function, and proving the value. Your team builds automations and agents for internal use and serves as internal consultants, helping Engineering integrate AI into customer-facing products. Join us in combining cutting-edge AI tooling with purpose-driven work that makes digital and financial inclusion possible across Africa.

Your key responsibilities:

• Lead two AI Ops Engineers — own their delivery, development, and day-to-day work
• Prioritise efficiently — manage competing requests from multiple teams by applying a clear prioritisation framework you'll help develop and improve
• Build and ship automations and agents that measurably improve how internal teams and customer-facing staff work
• Keep the AI tooling stack healthy as usage scales across 2,500+ employees
• Stay current on emerging AI tools and technologies - know what's hype and what's actually useful
• Help refine AI training for the wider organisation, including Engineering teams

Technical Environment 

• AI & Agentic Frameworks: Claude, Claude Code, Anthropic tooling, LangChain, MCP, Google ADK (or similar agentic tooling)
• Automation & Prototyping: Scripting, workflow tools, AI-assisted development, rapid prototyping (Vercel/Railway)
• Enterprise Tooling: Identity automation (Entra), internal platforms, Notion, HiBob integrations
• Existing Foundation: Twelve months of Claude, Notion, HiBob, and Entra automations already running in production

Our Approach

• Build, don't just advise — this is a hands-on team that ships working automations and agents
• Prove the value, then expand — start with two engineers, demonstrate impact, grow from there
• Product-focused mindset — treat internal teams as customers and build tooling that works
• Cut through the hype — evaluate emerging AI tools on practical value, not marketing buzz

What You Need

• We're looking for someone with a strong technical background and product-focused. You won't be building models - we have Data Science teams for that. You'll be building agents, shipping automations, and leading a team that makes M-KOPA's internal operations smarter and faster.

Required Experience:

• Hands-on experience building automations — scripting, workflow tools, or AI-assisted development
• Hands-on experience building agents using agentic frameworks — LangChain, MCP, Google ADK or similar
• Background in enterprise tooling — rapid prototyping tools (Vercel/Railway), identity automation (Entra), or internal platforms
• People leadership experience — you've led or mentored engineers and can own a team's delivery and development

go to method of application »

What You'll Do

• At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes.
• Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk
• Refine loan pricing based on credit analysis and customer behaviour
• Test new loan types to understand customer demand and credit performance
• Monitor credit performance to detect risk shifts and quantify margin impact
• Test the predictiveness of new data sets for eligibility criteria purposes
• Use Python, SQL, and other tools to drive data insights
• Work with data scientists to leverage machine learning models as part of loan eligibility decisions

Your Technical Environment 

• Languages & tools: Python, SQL, and other analytical tooling
• Data: Repayments data, customer behaviour data, third-party data sets
• Modelling: Risk modelling and statistical analysis across large, complex data sets
• Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders
• Context: Credit, underwriting, and lending analytics in emerging markets

Our Team Approach

• Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact
• Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy
• Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it
• Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet
• Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities

What You Need

• We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale.

Required experience:

• Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Experience in credit, underwriting, or lending analytics
• Fluency in Python, SQL, and other relevant analytical tools
• Experience translating complex data insights into actionable business strategies
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills - written, oral, and visual
• Strong interpersonal and collaboration skills

go to method of application »

What You'll Do

• At M-KOPA, you'll own the analytical work that drives our lending strategy. Our Credit Eligibility team operates with a high degree of autonomy — you'll work cross-functionally with engineers, data scientists, growth managers, and commercial stakeholders across multiple countries, bringing analytical rigour to decisions that shape both credit performance and customer outcomes.
• Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk
• Refine loan pricing based on credit analysis and customer behaviour
• Test new loan types to understand customer demand and credit performance
• Monitor credit performance to detect risk shifts and quantify margin impact
• Test the predictiveness of new data sets for eligibility criteria purposes
• Use Python, SQL, and other tools to drive data insights
• Work with data scientists to leverage machine learning models as part of loan eligibility decisions

Your Technical Environment 

• Languages & tools: Python, SQL, and other analytical tooling
• Data: Repayments data, customer behaviour data, third-party data sets
• Modelling: Risk modelling and statistical analysis across large, complex data sets
• Collaboration: Cross-functional work with engineers, data scientists, analysts, growth managers, and commercial stakeholders
• Context: Credit, underwriting, and lending analytics in emerging markets

Our Team Approach

• Low-ego, high-impact: We foster a collaborative environment where diversity, innovation, and rigour drive both commercial growth and social impact
• Data-driven decision-making: You'll be empowered to make the case for prioritisation and own the analysis that shapes lending strategy
• Ownership: You'll have a high degree of ownership over your domain - and the responsibility that comes with it
• Ambiguous problems welcome: We look for people who thrive when the problem isn't fully defined yet
• Newly established, fast-expanding: You'll be joining at a formative moment for our credit and underwriting capabilities

What You Need

• We're looking for someone with experience in roles with significant analytical components who is ready to take real ownership of credit and eligibility decisions at scale.

Required experience:

• Strong statistical modelling and quantitative analysis skills, including the ability to conduct your own analysis of unstructured data
• Experience in credit, underwriting, or lending analytics
• Fluency in Python, SQL, and other relevant analytical tools
• Experience translating complex data insights into actionable business strategies
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills - written, oral, and visual
• Strong interpersonal and collaboration skills

go to method of application »

What You'll Do

• You'll own CRM strategy and execution end-to-end. Build automated customer journeys in CleverTap/Braze, run experiments on messaging and timing, analyse retention cohorts, and scale successful programmes across markets. Partner with Product, Commercial, and Operations teams to turn customer behaviour into growth opportunities.

Your Core Responsibilities:

• Build and scale multi-channel lifecycle programmes: Design onboarding, retention, churn prevention, and upsell journeys across SMS, WhatsApp, push, and in-app messaging
• Design behavioural trigger-based upsell systems: Move customers from entry products (smartphones/e-bikes) to higher-value bundles (digital loans, insurance, device protection) based on payment behaviour and engagement signals
• Run rigorous experiments: A/B test messaging, timing, incentives, and offers with clear hypotheses and statistical rigour - then turn wins into repeatable playbooks
• Own retention economics: Track and optimise LTV, cohort retention, renewal rates, and upsell performance - translating insights into action
• Scale what works across markets: Turn successful experiments into documented frameworks that enable teams to execute growth initiatives across 5 African markets

What You Need

• 6+ years building and scaling CRM or lifecycle marketing - ideally in businesses where daily or weekly customer engagement drives retention and revenue.
• Relevant backgrounds we're interested in: MVNO experience, super-apps with daily engagement models, mobile gaming with daily retention mechanics, prepaid subscription services, or B2C fintech/subscription businesses where high-frequency engagement drives the model.
• You've built CRM systems, not just optimised them - whether migrating platforms (Mailchimp → Braze), designing journey architecture from scratch, or scaling programmes across markets.
• You're hands-on in CRM platforms daily - personally building journeys in tools like Braze, CleverTap, MoEngage, Customer.io, or Iterable.
• You think in business outcomes - your achievements mention LTV growth, retention revenue, upsell rates, renewal improvements - not just open rates or engagement metrics.
• You run rigorous experiments - designing tests with clear hypotheses, control groups, and measurable success criteria

go to method of application »

What You'll Do

• You'll own CRM strategy and execution end-to-end. Build automated customer journeys in CleverTap/Braze, run experiments on messaging and timing, analyse retention cohorts, and scale successful programmes across markets. Partner with Product, Commercial, and Operations teams to turn customer behaviour into growth opportunities.

Your Core Responsibilities:

• Build and scale multi-channel lifecycle programmes: Design onboarding, retention, churn prevention, and upsell journeys across SMS, WhatsApp, push, and in-app messaging
• Design behavioural trigger-based upsell systems: Move customers from entry products (smartphones/e-bikes) to higher-value bundles (digital loans, insurance, device protection) based on payment behaviour and engagement signals
• Run rigorous experiments: A/B test messaging, timing, incentives, and offers with clear hypotheses and statistical rigour - then turn wins into repeatable playbooks
• Own retention economics: Track and optimise LTV, cohort retention, renewal rates, and upsell performance - translating insights into action
• Scale what works across markets: Turn successful experiments into documented frameworks that enable teams to execute growth initiatives across 5 African markets

What You Need

• 6+ years building and scaling CRM or lifecycle marketing - ideally in businesses where daily or weekly customer engagement drives retention and revenue.
• Relevant backgrounds we're interested in: MVNO experience, super-apps with daily engagement models, mobile gaming with daily retention mechanics, prepaid subscription services, or B2C fintech/subscription businesses where high-frequency engagement drives the model.
• You've built CRM systems, not just optimised them - whether migrating platforms (Mailchimp → Braze), designing journey architecture from scratch, or scaling programmes across markets.
• You're hands-on in CRM platforms daily - personally building journeys in tools like Braze, CleverTap, MoEngage, Customer.io, or Iterable.
• You think in business outcomes - your achievements mention LTV growth, retention revenue, upsell rates, renewal improvements - not just open rates or engagement metrics.
• You run rigorous experiments - designing tests with clear hypotheses, control groups, and measurable success criteria

go to method of application »

What You'll Do

• At M-KOPA, you'll build and refine the machine learning and credit risk models that power our lending strategy. You'll sit within a small, high-performing team with end-to-end ownership of credit scoring, loan eligibility, and pricing optimisation — working cross-functionally with engineers, analysts, growth managers, and commercial stakeholders across multiple countries. Join us in combining cutting-edge data science with purpose-driven work that makes digital and financial inclusion possible across Africa.

Day to day, you'll be:

• Building and refining credit scoring and risk modelling solutions that assess customer creditworthiness, default risk, and loan pricing across multiple markets
• Developing and testing ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis
• Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact
• Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Technical Environment 

• Languages & Libraries: Python, SQL, scikit-learn, pandas, numpy, and relevant ML libraries
• Techniques: Predictive modelling, classification/regression, feature engineering, model selection, hyperparameter tuning, A/B testing
• Domain: Credit scoring, underwriting, loan pricing, risk analytics

What You Need

• Credit accessibility and affordability are at the core of this role. You'll join a small, high-performing team where every day brings new modelling challenges and analyses that shape our lending strategy. If building models that can transform financial access for millions of African customers excites you, we'd love to hear from you.

Required Experience:

• Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
• Strong ML background with hands-on experience in model development, validation, deployment, and performance monitoring
• Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.) with experience in feature engineering, model selection, and hyperparameter tuning
• Experience translating complex model outputs into actionable business strategies and stakeholder communications
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills — written, oral, and visual

Highly Desirable:

• Experience in credit, underwriting, lending analytics, or fintech modelling

go to method of application »

What You'll Do

• At M-KOPA, you'll build and refine the machine learning and credit risk models that power our lending strategy. You'll sit within a small, high-performing team with end-to-end ownership of credit scoring, loan eligibility, and pricing optimisation — working cross-functionally with engineers, analysts, growth managers, and commercial stakeholders across multiple countries. Join us in combining cutting-edge data science with purpose-driven work that makes digital and financial inclusion possible across Africa.

Day to day, you'll be:

• Building and refining credit scoring and risk modelling solutions that assess customer creditworthiness, default risk, and loan pricing across multiple markets
• Developing and testing ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis
• Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact
• Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Technical Environment 

• Languages & Libraries: Python, SQL, scikit-learn, pandas, numpy, and relevant ML libraries
• Techniques: Predictive modelling, classification/regression, feature engineering, model selection, hyperparameter tuning, A/B testing
• Domain: Credit scoring, underwriting, loan pricing, risk analytics

What You Need

• Credit accessibility and affordability are at the core of this role. You'll join a small, high-performing team where every day brings new modelling challenges and analyses that shape our lending strategy. If building models that can transform financial access for millions of African customers excites you, we'd love to hear from you.

Required Experience:

• Experience building predictive models, particularly credit scoring, risk models, or similar classification/regression problems
• Strong ML background with hands-on experience in model development, validation, deployment, and performance monitoring
• Proficiency in Python, SQL, and relevant ML libraries (scikit-learn, pandas, numpy, etc.) with experience in feature engineering, model selection, and hyperparameter tuning
• Experience translating complex model outputs into actionable business strategies and stakeholder communications
• Ability to work cross-functionally with product, engineering, and commercial teams
• Strong data communication skills — written, oral, and visual

Highly Desirable:

• Experience in credit, underwriting, lending analytics, or fintech modelling

go to method of application »

What You'll Do

• This role blends strategic leadership with hands-on execution. You'll partner with senior leadership and Product teams to shape business strategy, then personally validate your strategies by building campaigns in CRM platforms. You'll design the experiment, build it yourself, influence Product with the insights, and scale what works across 5 markets.
• Your mission: transform CRM from a tactical channel into a strategic revenue engine that drives financial inclusion at scale.

Your Core Responsibilities 

• Design and own the growth operating system: Build the segmentation frameworks, experimentation roadmaps, and measurement infrastructure that Product, Operations, and Commercial teams use to drive retention and up-sell across M-KOPA
• Architect behavioural trigger-based up-sell systems: Design the retention and lifecycle programmes that move customers from entry products (smartphones/e-bikes) to high-value bundles (digital loans, health cover, device protection) - unlocking revenue based on payment behaviour and engagement signals
• Validate strategies by building campaigns yourself: Personally build and deploy automated customer journeys in CleverTap/Braze - running hypothesis-driven experiments with control groups, incrementality measurement, and statistical rigour across SMS, WhatsApp, push, and in-app channels
• Influence product and pricing strategy with customer insights: Translate CRM experiments and retention economics into product feature recommendations, pricing changes, and commercial strategy that shapes business decisions
• Scale what works into repeatable playbooks: Turn successful experiments into documented frameworks and systems that enable teams to execute growth initiatives autonomously across 5 markets

Your Environment 

Product Growth Tech Stack:

• CRM/Lifecycle Tools: CleverTap, Braze, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud (We use CleverTap, but deep expertise in one or two of these platforms is what matters - you don't need experience with all of them)
• Analytics: GA4, Mixpanel, Amplitude, Looker (or similar)
• Channels: WhatsApp, SMS, push notifications, in-app messaging, telesales, and integrated Direct Sales Agent networks
• Data: Proprietary customer insights spanning millions of transactions across 5 African markets

What You Need..

LTV and business economics mindset

• The type of marketer who gets excited about maximising customer lifetime value, not just improving conversion rates. Your achievements are framed in business outcomes - revenue generated, LTV improved, retention economics transformed, payback periods optimised - not just engagement metrics

Strategic growth leadership with hands-on CRM execution

• Built systems and transformed CRM capabilities, not just run campaigns. Whether building CRM from scratch, leading platform migrations, or re-architecting growth infrastructure - you're a builder and transformer. You've personally built complex customer journeys in tools like Braze, CleverTap, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud whilst also influencing product and business strategy at senior leadership level.

Behavioural trigger-based up or cross-sell expertise

• Designed systems that move customers from entry products to higher-value offerings based on behaviour - payment patterns, engagement signals, product usage. Experience turning customer actions into revenue opportunities through triggered lifecycle programmes.

Rigorous experimentation methodology

• Run tests with clear hypotheses, control groups, and statistical rigour. Can explain testing methodology and distinguish meaningful results from noise. Proven track record of test → learn → optimise → scale.

go to method of application »

What You'll Do

• This role blends strategic leadership with hands-on execution. You'll partner with senior leadership and Product teams to shape business strategy, then personally validate your strategies by building campaigns in CRM platforms. You'll design the experiment, build it yourself, influence Product with the insights, and scale what works across 5 markets.
• Your mission: transform CRM from a tactical channel into a strategic revenue engine that drives financial inclusion at scale.

Your Core Responsibilities 

• Design and own the growth operating system: Build the segmentation frameworks, experimentation roadmaps, and measurement infrastructure that Product, Operations, and Commercial teams use to drive retention and up-sell across M-KOPA
• Architect behavioural trigger-based up-sell systems: Design the retention and lifecycle programmes that move customers from entry products (smartphones/e-bikes) to high-value bundles (digital loans, health cover, device protection) - unlocking revenue based on payment behaviour and engagement signals
• Validate strategies by building campaigns yourself: Personally build and deploy automated customer journeys in CleverTap/Braze - running hypothesis-driven experiments with control groups, incrementality measurement, and statistical rigour across SMS, WhatsApp, push, and in-app channels
• Influence product and pricing strategy with customer insights: Translate CRM experiments and retention economics into product feature recommendations, pricing changes, and commercial strategy that shapes business decisions
• Scale what works into repeatable playbooks: Turn successful experiments into documented frameworks and systems that enable teams to execute growth initiatives autonomously across 5 markets

Your Environment 

Product Growth Tech Stack:

• CRM/Lifecycle Tools: CleverTap, Braze, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud (We use CleverTap, but deep expertise in one or two of these platforms is what matters - you don't need experience with all of them)
• Analytics: GA4, Mixpanel, Amplitude, Looker (or similar)
• Channels: WhatsApp, SMS, push notifications, in-app messaging, telesales, and integrated Direct Sales Agent networks
• Data: Proprietary customer insights spanning millions of transactions across 5 African markets

What You Need..

LTV and business economics mindset

• The type of marketer who gets excited about maximising customer lifetime value, not just improving conversion rates. Your achievements are framed in business outcomes - revenue generated, LTV improved, retention economics transformed, payback periods optimised - not just engagement metrics

Strategic growth leadership with hands-on CRM execution

• Built systems and transformed CRM capabilities, not just run campaigns. Whether building CRM from scratch, leading platform migrations, or re-architecting growth infrastructure - you're a builder and transformer. You've personally built complex customer journeys in tools like Braze, CleverTap, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud whilst also influencing product and business strategy at senior leadership level.

Behavioural trigger-based up or cross-sell expertise

• Designed systems that move customers from entry products to higher-value offerings based on behaviour - payment patterns, engagement signals, product usage. Experience turning customer actions into revenue opportunities through triggered lifecycle programmes.

Rigorous experimentation methodology

• Run tests with clear hypotheses, control groups, and statistical rigour. Can explain testing methodology and distinguish meaningful results from noise. Proven track record of test → learn → optimise → scale.

go to method of application »

What You'll Do

• This role blends strategic leadership with hands-on execution. You'll partner with senior leadership and Product teams to shape business strategy, then personally validate your strategies by building campaigns in CRM platforms. You'll design the experiment, build it yourself, influence Product with the insights, and scale what works across 5 markets.
• Your mission: transform CRM from a tactical channel into a strategic revenue engine that drives financial inclusion at scale.

Your Core Responsibilities 

• Design and own the growth operating system: Build the segmentation frameworks, experimentation roadmaps, and measurement infrastructure that Product, Operations, and Commercial teams use to drive retention and up-sell across M-KOPA
• Architect behavioural trigger-based up-sell systems: Design the retention and lifecycle programmes that move customers from entry products (smartphones/e-bikes) to high-value bundles (digital loans, health cover, device protection) - unlocking revenue based on payment behaviour and engagement signals
• Validate strategies by building campaigns yourself: Personally build and deploy automated customer journeys in CleverTap/Braze - running hypothesis-driven experiments with control groups, incrementality measurement, and statistical rigour across SMS, WhatsApp, push, and in-app channels
• Influence product and pricing strategy with customer insights: Translate CRM experiments and retention economics into product feature recommendations, pricing changes, and commercial strategy that shapes business decisions
• Scale what works into repeatable playbooks: Turn successful experiments into documented frameworks and systems that enable teams to execute growth initiatives autonomously across 5 markets

Your Environment 

Product Growth Tech Stack:

• CRM/Lifecycle Tools: CleverTap, Braze, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud (We use CleverTap, but deep expertise in one or two of these platforms is what matters - you don't need experience with all of them)
• Analytics: GA4, Mixpanel, Amplitude, Looker (or similar)
• Channels: WhatsApp, SMS, push notifications, in-app messaging, telesales, and integrated Direct Sales Agent networks
• Data: Proprietary customer insights spanning millions of transactions across 5 African markets

What You Need..

LTV and business economics mindset

• The type of marketer who gets excited about maximising customer lifetime value, not just improving conversion rates. Your achievements are framed in business outcomes - revenue generated, LTV improved, retention economics transformed, payback periods optimised - not just engagement metrics

Strategic growth leadership with hands-on CRM execution

• Built systems and transformed CRM capabilities, not just run campaigns. Whether building CRM from scratch, leading platform migrations, or re-architecting growth infrastructure - you're a builder and transformer. You've personally built complex customer journeys in tools like Braze, CleverTap, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud whilst also influencing product and business strategy at senior leadership level.

Behavioural trigger-based up or cross-sell expertise

• Designed systems that move customers from entry products to higher-value offerings based on behaviour - payment patterns, engagement signals, product usage. Experience turning customer actions into revenue opportunities through triggered lifecycle programmes.

Rigorous experimentation methodology

• Run tests with clear hypotheses, control groups, and statistical rigour. Can explain testing methodology and distinguish meaningful results from noise. Proven track record of test → learn → optimise → scale.

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What You'll Do

• At M-KOPA, you'll lead a team of backend engineers through both greenfield and legacy projects, owning the full software lifecycle from design ideation through to production and eventual decommissioning. Our engineering teams work under a true DevOps culture - with infrastructure as code, observability, automated testing, and continuous delivery treated as first-order concerns, not afterthoughts.
• You'll set architectural direction, partner closely with your Product Manager counterpart on roadmap planning and prioritisation, and serve as a servant leader who grows the people around you while shipping high-quality, impactful software.

Technical Environment 

• Languages & frameworks: C#/.NET
• Cloud: Azure
• Architecture: Event-driven systems and microservice development (Service Bus)
• Engineering culture: DevOps, infrastructure as code, observability and monitoring, automated testing across all environments including production, continuous delivery

Our Engineering Approach 

• Full ownership: Teams own their solutions end-to-end - from inception through production support to decommissioning.
• Servant leadership: We lead by coaching and enabling, not directing.
• Quality by default: Observability, monitoring, and automated testing are built in from day one.
• Continuous improvement: We foster a culture of innovation within a supportive, dynamic team environment.
• Product partnership: Engineering and Product work as genuine counterparts - planning together, prioritising together, delivering together.

What You Need

• We're looking for an experienced low-ego backend engineering leader who brings both technical depth and a genuine passion for growing people.

Required Experience:

• Strong hands-on background in C#/.NET backend development
• Proven experience with Azure cloud services
• Solid understanding of event-driven architecture and microservice development (Service Bus, RabbitMQ, Kafka etc)
• Experience leading or mentoring engineers in a collaborative team environment
• Ability to set technical direction and provide architectural guidance
• Comfortable working with Product to shape roadmaps and drive delivery

go to method of application »

What You'll Do

• At M-KOPA, you'll lead a team of backend engineers through both greenfield and legacy projects, owning the full software lifecycle from design ideation through to production and eventual decommissioning. Our engineering teams work under a true DevOps culture - with infrastructure as code, observability, automated testing, and continuous delivery treated as first-order concerns, not afterthoughts.
• You'll set architectural direction, partner closely with your Product Manager counterpart on roadmap planning and prioritisation, and serve as a servant leader who grows the people around you while shipping high-quality, impactful software.

Technical Environment 

• Languages & frameworks: C#/.NET
• Cloud: Azure
• Architecture: Event-driven systems and microservice development (Service Bus)
• Engineering culture: DevOps, infrastructure as code, observability and monitoring, automated testing across all environments including production, continuous delivery

Our Engineering Approach 

• Full ownership: Teams own their solutions end-to-end - from inception through production support to decommissioning.
• Servant leadership: We lead by coaching and enabling, not directing.
• Quality by default: Observability, monitoring, and automated testing are built in from day one.
• Continuous improvement: We foster a culture of innovation within a supportive, dynamic team environment.
• Product partnership: Engineering and Product work as genuine counterparts - planning together, prioritising together, delivering together.

What You Need

• We're looking for an experienced low-ego backend engineering leader who brings both technical depth and a genuine passion for growing people.

Required Experience:

• Strong hands-on background in C#/.NET backend development
• Proven experience with Azure cloud services
• Solid understanding of event-driven architecture and microservice development (Service Bus, RabbitMQ, Kafka etc)
• Experience leading or mentoring engineers in a collaborative team environment
• Ability to set technical direction and provide architectural guidance
• Comfortable working with Product to shape roadmaps and drive delivery

go to method of application »

What this role actually looks like

• You operate from the retail floor — engaging customers, starting conversations, and guiding them through M-KOPA’s product offering: financed smartphones, cash devices, and SIM solutions.
• You don’t just sell. You educate, advise, and support decisions.

That includes:

• Walking customers through financing options clearly and confidently
• Assisting with onboarding processes like RICA
• Ensuring every customer leaves understanding exactly what they’ve signed up for

You’ll also handle:

• Customer questions, concerns, and after-sales support
• Real-time problem-solving at the counter
• Building trust through consistent, professional engagement
• At the same time, you take full ownership of stock within your space:
• Daily stock counts and reconciliation
• Receiving and verifying deliveries
• Reporting discrepancies quickly and accurately
• Maintaining organised, secure storage areas
• Supporting sales reps with collections and returns
• Contributing to monthly stock takes
• You’ll stay closely connected to your Field Sales Manager — sharing updates, navigating challenges, and celebrating wins. The support is there, but so is the expectation that you take ownership.

What you bring

• Proven experience in retail or sales, with the ability to engage, advise, and close effectively
• Confidence in handling objections and guiding customer decisions
• Strong attention to detail, especially when it comes to stock accuracy
• Reliability and consistency — your team knows they can count on you
• Matric / Grade 12

go to method of application »

• We're hiring a Retail Team Lead to provide leadership across our service centres, stock depots, and sales points in South Africa — overseeing operations, driving customer experience standards, leading retail training, and managing the people and processes that keep our retail channel performing.

What the work actually looks like

• The breadth of this role is genuine. On any given week you could be reviewing service centre performance data, conducting a stock audit, coordinating a shop renovation, running a training session for retail staff, resolving a Freshdesk ticket escalation, and preparing a performance report for the Retail Operations Manager. No two weeks are identical, and that's by design.
• Customer servicing is a consistent thread — you'll monitor performance across service centres, stock points, and depots, and work closely with other teams to ensure customer issues are resolved without delay. When the standard slips, you'll identify it early and act.
• Stock management sits firmly in your remit. You'll supervise stock controllers, oversee inventory tracking, implement stock control procedures, conduct regular audits, and coordinate with supply chain and warehouse to ensure replenishment happens on time. Discrepancies get investigated, not ignored.
• Shop management covers the physical and commercial aspects of M-KOPA's retail presence — brand execution, permits, look and feel, branding materials, and maintenance. You'll work closely with the Retail Senior Manager and Marketing to ensure every location reflects M-KOPA's standards and supports the customer experience we're committed to delivering.
• Training is a dedicated part of the role rather than an afterthought. You'll develop and manage the retail knowledge base, own the training schedule and materials, identify knowledge gaps across the team, and close them through structured training and process improvement. Your direct reports include Retail Trainers — which means your investment in training quality has a multiplier effect across the network.
• You'll also manage Customer Care Executives, maintain CASAT and SLA reporting, drive policy and process adherence across all locations, and support Depot Shop Owner activities including servicing, commercials, and commissions.
• People management runs across all of it — building rosters, conducting performance reviews, managing recruitment and onboarding, addressing employee relations issues, and creating the kind of team environment where people are motivated to perform.

What makes you ready for this

• Proven experience in a team leader or supervisory role within retail operations — with a demonstrated track record managing stock control, shop operations, and multi-site performance across service or depot environments
• Strong working knowledge of inventory management systems and retail operations processes — including stock auditing, SLA adherence, and the ability to identify operational gaps and implement practical improvements
• The organisational capability and leadership presence to manage a diverse team including Retail Trainers and Customer Care Executives — alongside the willingness to travel countrywide and the flexibility to handle a broad, fast-moving remit without losing quality on any part of it

go to method of application »

• We're hiring a Retail Training and Quality Assurance Lead in South Africa to shape the capability and quality standards of our retail function — designing and delivering training for Stock Controllers and retail teams, leading quality audits across our operations, and using data to drive the kind of continuous improvement that shows up in customer experience and team performance alike.

What the work actually looks like

• On the training side, you'll design and deliver comprehensive learning experiences for Stock Controllers and retail teams — spanning product expertise, system proficiency, customer handling, and the soft skills that make the difference between a technically capable employee and an exceptional one. You'll use a blend of classroom facilitation and digital learning through M-KOPA Academy, our proprietary learning platform. You'll build assessment frameworks, conduct monthly evaluations, track progress, and analyse performance data to identify where competency gaps are opening up and close them with targeted interventions — before they show up in the customer experience.
• On the quality side, you'll conduct strategic quality audits across retail operations and processes — evaluating adherence to service standards, compliance requirements, and brand excellence, with particular focus on Freshdesk platform usage. You'll produce detailed audit reports with actionable insights that drive systemic improvements across the network. You'll run mystery shopping evaluations to assess the real customer journey, not just the reported one, and use those findings to influence how service standards evolve.
• The analytics thread runs through both — you'll analyse retail performance metrics, measure training effectiveness, monitor data protection standards and documentation practices, and apply what the data tells you to keep the improvement cycle moving. You'll also oversee adherence to industry regulations, company policies, and financial services requirements across all retail locations.

What makes you ready for this

• Demonstrable experience in a training or quality assurance role within retail or customer service environments — with a proven track record designing and delivering effective learning programmes, building assessment frameworks, and using performance data to drive measurable capability improvements
• Proficiency in CRM systems, Learning Management Systems, and Microsoft Office Suite — alongside the analytical capability to interpret performance and quality data, identify patterns, and translate insights into targeted training solutions and audit recommendations
• Strong facilitation, communication, and coaching skills — with the ability to build credibility across retail teams, present audit findings constructively to stakeholders, and lead quality and learning initiatives that create lasting behavioural change

go to method of application »

• You're good in a room. You can read an audience, adjust on the fly, and walk out of a training session knowing the people inside it are better equipped than when they walked in. Whether you've been doing this formally or you've discovered the skill inside a sales role, you know that real learning doesn't happen on a slide deck — it happens in the moment, when someone finally gets it.
• If you've been looking for a place where that ability genuinely matters — not just as a support function, but as a direct driver of business outcomes — this might be the role worth pausing for.

What you'll actually be doing

• Your week will look different depending on where you're needed. Some days you're delivering onboarding sessions for new agents, walking them through product knowledge and the sales approaches that actually convert in the field. Other days you're running refresher sessions with existing agents or working directly with cluster leaders on how to coach their own teams. You'll use a range of facilitation methods — role-play, digital tools, scenario-based learning — because you know that one format doesn't fit every room.
• Alongside the facilitation, you'll own the administrative side: maintaining accurate records of attendance and assessment results, tracking what's working and what isn't, and feeding those insights back to Regional Sales Managers and the wider sales training team. You'll help prepare and refine training materials, coordinate logistics across multiple sites, and flag gaps in content before they show up as performance problems in the field.
• The Western Cape geography means you'll be mobile — moving between training sites as needed. If you thrive on variety and don't mind being on the road, that's a feature, not a complication.

What you bring

• A diploma or degree in Sales, Business Administration, Training & Development, or a related field, paired with demonstrable experience in sales training, sales support, or a facilitation role.
• Proven ability to deliver engaging, results-oriented training sessions — you're comfortable in front of a room and skilled at adjusting your approach when the group needs something different.
• Solid working proficiency in Microsoft Office Suite, with the ability to manage training records, prepare materials, and track performance data accurately.
• You're organised without being rigid. You communicate clearly — in a training room, in a report, and in a conversation with a Regional Sales Manager. And you bring a genuine curiosity about what makes people perform better, not just what makes a training session feel good in the moment.

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What this role actually owns

• The Retail Operations Lead is responsible for execution — making sure the retail channel performs, day in and day out, across every store within the team's portfolio. That ownership has real scope.
• You'll directly manage Retail Team Leads: setting expectations, running structured performance conversations, conducting formal reviews, and implementing performance improvement plans where needed. You'll own the full people management cycle for your direct reports — including participating actively in recruitment, supporting onboarding, and building team capability through ongoing coaching. The expectation is that you develop leaders, not just manage them.
• On the operational side, you'll drive accountability for sales performance across assigned stores — tracking results, identifying underperforming sites, and working with Team Leads to build and execute improvement plans. You'll conduct regular store visits to verify standards, confirm store readiness, and document outcomes. You'll monitor stock movement, ensure daily and weekly stock disciplines are being followed, and flag anomalies to the Retail Operations Manager without delay. Loss prevention in this context is a leadership behaviour, not a reporting function.
• You'll also serve as the operational liaison between your team and internal support functions — Customer Care, Warehouse, IT, Sales Operations — and review supplier invoices for stores within your portfolio for manager approval. When partner or supplier issues threaten trading, the escalation runs through you.

What you bring

• Demonstrated experience in retail or multi-site field operations, with a proven track record of driving sales performance and operational standards across a distributed team or store network.
• Established capability in people leadership — you've managed, coached, and held individuals accountable in a field-based environment, and you can point to outcomes that reflect it.
• Strong data fluency and reporting discipline, with hands-on experience using Excel, dashboards, or retail/CRM systems to track performance and surface insights that drive decisions.
• A Bachelor's degree in Business, Operations Management, or a related field is required.

go to method of application »

• We're hiring a Deputy Regional Manager to lead a team of Field Sales Managers and Sales Executives on the ground — driving the kind of sales performance that doesn't just hit targets, but builds the customer base M-KOPA's next growth phase depends on.
• The Deputy Regional Manager sits at the centre of field execution — close enough to the ground to understand what's happening and senior enough to shape what happens next.

What this role actually looks like

• Day to day, you'll be managing a team of Field Sales Managers and Sales Executives — directly involved in their performance, their development, and when necessary, their recruitment. You'll define KPIs across your sales teams, build the operational performance reporting that keeps everyone accountable, and implement incentive commission programmes that keep motivation high and tied to the outcomes that matter.
• You'll be the person who ensures every agent in your teams is fully equipped — trained on M-KOPA's sales methods, customer onboarding processes, and the product knowledge that makes the difference between a curious prospect and a committed customer. You'll also make sure the basics are never overlooked: that agents have what they need, from sales tools to territory clarity, to show up ready every day.
• Beyond day-to-day management, you'll define territorial and operational coverage plans for your sales force, track sell-outs across all channels, and develop the sales strategies — including expansion into new territories within your region — that keep M-KOPA's footprint growing. You'll work closely on sales forecasting, channel performance reporting, and the kind of data-driven insight that helps leadership make smart decisions faster.
• Critically, you'll also own the quality dimension of your team's sales activity. At M-KOPA, onboarding a customer means extending them credit — which means the screening process matters. You'll ensure your teams adhere to agreed customer screening practices and understand that sustainable growth is built on quality activations, not volume alone.

What makes you ready for this

• Demonstrable experience leading field sales teams in electronic devices, FMCG, financial services, or a comparable route-to-market environment — with a proven track record of building and managing multi-layered sales structures, including field managers and ground-level representatives
• Proven ability to define performance frameworks, implement sales commission structures, and use data and reporting to drive consistent target achievement across a dispersed sales force
• A track record of training and developing sales teams across methodology, prospecting, territory management, and customer onboarding — with the cross-cultural communication and stakeholder management skills to work effectively across internal functions and external partners

go to method of application »

What this role actually looks like

• You operate from the retail floor — engaging customers, starting conversations, and guiding them through M-KOPA’s product offering: financed smartphones, cash devices, and SIM solutions.
• You don’t just sell. You educate, advise, and support decisions.

That includes:

• Walking customers through financing options clearly and confidently
• Assisting with onboarding processes like RICA
• Ensuring every customer leaves understanding exactly what they’ve signed up for

You’ll also handle:

• Customer questions, concerns, and after-sales support
• Real-time problem-solving at the counter
• Building trust through consistent, professional engagement

At the same time, you take full ownership of stock within your space:

• Daily stock counts and reconciliation
• Receiving and verifying deliveries
• Reporting discrepancies quickly and accurately
• Maintaining organised, secure storage areas
• Supporting sales reps with collections and returns
• Contributing to monthly stock takes
• You’ll stay closely connected to your Field Sales Manager — sharing updates, navigating challenges, and celebrating wins. The support is there, but so is the expectation that you take ownership.

What you bring

• Proven experience in retail or sales, with the ability to engage, advise, and close effectively
• Confidence in handling objections and guiding customer decisions
• Strong attention to detail, especially when it comes to stock accuracy
• Reliability and consistency — your team knows they can count on you
• Matric / Grade 12

go to method of application »

What you'll actually be doing

• Day to day, this role moves across several dimensions at once. You'll lead and develop brand ambassador teams across two major metros, building the coaching systems and performance structures that make consistent execution possible. You'll analyse data to identify what's working and systematise it — turning field insights into strategy, not just reports. You'll manage relationships with major retail partners, ensuring in-store experiences reflect both brand standards and the nuanced customer conversations that financial services require. And you'll build career pathways for promoter talent — because the people doing this work well deserve to grow within it.
• The scope is broad. The autonomy is real. And the pace is high.

What you bring

• Extensive progressive experience leading retail or field sales teams, with a demonstrable record of exceeding performance targets while actively developing the people around you.
• Proven ability to translate data into actionable strategy — you spot patterns before they show up in aggregated reports, and you turn those insights into decisions that move outcomes.
• Established expertise in South African retail partnerships, with deep working knowledge of in-store dynamics, retailer relationships, and what makes a customer experience convert.