Jobs at M-KOPA

What's exciting about this role?

• Are you ready to be a trailblazer in fraud management?
• As a Fraud Manager, you’ll lead the charge in revolutionizing our fraud detection and prevention strategies.
• You will conduct field investigations, and provide top-notch training, and support to ensure our fraud detection is both thorough and effective.
• Overseeing complex projects, you’ll manage risks, deliverables, and budgets while forging powerful partnerships with police, Legal, and Internal Audit teams to proactively identify and mitigate risks.
• This role offers the opportunity to lead a dynamic team of field investigators and data analysts, spearheading efforts to prevent, uncover, and address fraudulent activities across M-KOPA’s operations in South Africa.
• You’ll pioneer new strategies, champion data-driven decision-making, and foster a culture of accountability and excellence.
• Imagine collaborating with top clients and diverse departments to craft cutting-edge solutions, pushing the boundaries of technology to outsmart fraudsters.
• If you’re driven by making a tangible impact and excited by the challenge of staying one step ahead of emerging threats, this is your opportunity to lead with innovation and shape the future of fraud management.

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The Opportunity

• Mission-driven research: Every model you develop helps expand financial inclusion for under-banked populations
• Immediate impact: See your work improve lives in real-time, not just citations
• Global recognition: Join a company named by TIME100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022-2025)
• Research freedom: Publish, attend conferences, and collaborate with academic institutions while solving meaningful problems
• Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions

What You'll Do

• Build generative AI models (VAEs, GANs, diffusion models) for financial inclusion across Africa
• Prototype and iterate advanced models, from credit risk assessment to customer behaviour modeling
• Publish research at top conferences (NeurIPS, ICML, ICLR, AAAI etc) while solving real-world problems
• Work with teams across Africa and Europe to deploy Machine Learning solutions that expand financial access

What You Need

• Hands-on experience or Academic Publication in generative models (VAEs, GANs, diffusion models, or related methods)
• Advanced expertise in mathematics, statistics, and theoretical computer science
• Experience with deep learning, reinforcement learning, or specialised Machine Learning domains
• Experience with structured or unstructured data
• Proven ability to translate research into scalable algorithms
• Ideally a publication record in Machine Learning research (NeurIPS, ICML, ICLR, AAAI etc preferred)

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In this role, you would be responsible for:

• Leading the strategic direction and evolution of our Product Design function
• Collaborating with Product Management and Tech leadership to define overall UX strategy
• Building and maintaining design systems that ensure visual cohesion while enabling rapid innovation
• Reviewing design work to ensure quality and cohesion before release
• Mentoring design team members and fostering a sense of belonging while helping advance their careers
• Working with marketing teams to ensure visual cohesion across the M-KOPA brand
• Translating design metrics into business outcomes that executives understand and value

Your application should demonstrate:

• Proven experience leading design teams and complex projects in digital products
• Deep understanding of UX strategy with the ability to balance business goals with user needs
• Experience building and maintaining design systems across multiple touchpoints
• Solid leadership and mentoring capabilities
• Ability to work with diverse, cross-functional teams across multiple countries
• Solid interpersonal, communication, and collaboration skills
• Experience translating design impact into business metrics
• Experience in fintech or similar industries

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What Your Journey With Us Looks Like

• You'll join an environment where ego takes a backseat to impact.
• Your days will be spent collaborating with brilliant minds across Engineering, Design, Analytics, and Commercial teams.
• Together, you'll craft strategies that balance business objectives with genuine customer needs.
• When you bring your 5+ years of product management experience and 2+ years of team leadership to M-KOPA, you'll find yourself empowered to make meaningful decisions.
• You'll have the autonomy to develop product visions that are backed by data and driven by a deep understanding of our users' realities.
• As you guide multiple product managers, you'll help them grow while ensuring our products evolve throughout their lifecycle.
• Your analytical skills will shine as you conduct complex data analysis that informs strategic direction. And your collaborative approach will strengthen teams working across multiple countries.

The Difference You'll Make

• Picture yourself visiting customers in rural Kenya, witnessing firsthand how your product decisions create economic opportunity.
• Imagine celebrating with your team in Lagos as a new feature dramatically improves customer retention.
• Envision the satisfaction of knowing that the savings product you helped develop is funding education for thousands of children.
• At M-KOPA, success isn't measured solely by metrics on a dashboard—though those matter too.
• It's measured by transformed lives and communities empowered through greater financial access.

A Day in Your Life at M-KOPA

• Your hybrid work arrangement gives you flexibility while keeping you connected to both our office environment and the customers we serve.
• One day, you might be collaborating with engineers on platform improvements; the next, you could be in the field, gathering insights directly from users about their experiences.
• You'll travel between our markets, ensuring our solutions address the unique needs of diverse communities.
• You'll build deep knowledge of how our customers engage with our products, cultivate a culture of psychological safety and accountability across your teams, and promote data-driven decision-making at every level.
• When needed, you might even step directly into a product manager role to fill gaps or gain deeper experience in specific areas.

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The Opportunity

• Mission-driven engineering: Every service you build helps expand financial inclusion for under-banked populations
• 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: Build backend systems serving millions across multiple African markets
• Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions

What You'll Do

• At M-KOPA, you'll build sophisticated event-driven microservices with real-world impact.
• Our engineering teams own their solutions end-to-end – from architecture decisions to production monitoring.
• Join us in combining cutting-edge .NET development with purpose-driven engineering that makes digital and financial inclusion possible across Africa.

Technical Environment

• Modern C# Stack: We use predominantly C# written against the latest .NET stack
• Microservices & Cloud: We favour microservices hosted on Azure using Kubernetes
• Event-Driven Architecture: We are constantly iterating towards a completely decoupled, event-driven architecture
• Mixed Environment: We have both legacy services and greenfield microservices

Our Engineering Approach

• As an engineer, you will work as a collaborator.

More senior members will coach and contribute, placing an emphasis on:

High quality output

• Observability and monitoring
• Automated testing in all environments, including production
• Infrastructure as code and DevOps practices

What You Need

• We expect you to be comfortable working as part of a team which owns the entire software stack, including supporting infrastructure, throughout the entire software lifecycle - from inception through production to decommissioning under a DevOps culture.
• You'll value the constraints that continuous delivery places upon engineering processes and embrace testing and observability as first-order concerns in development.

Required Experience:

• Strong grasp of C# .NET development
• Experience with Event-Driven Systems
• Microservices architecture experience
• Testing and deployment expertise
• DevOps culture mindset

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Expertise

• We are looking for an accomplished audit professional with a Bachelor's degree and professional audit certifications (CIA, CISA, or equivalent) being highly valued, plus minimum 3-5 years in audit, compliance, or retail operations roles—ideally with demonstrated expertise in inventory management and regulatory compliance.

You will bring:

• Proven experience in audit, compliance, or retail operations with strong track record of inventory management and regulatory compliance.
• Technical proficiency with advanced skills in audit software, data analysis tools, Microsoft Office Suite, and inventory management systems.
• Analytical excellence with strong problem-solving capabilities, exceptional attention to detail, and ability to identify patterns and discrepancies.
• Outstanding communication skills—both verbal and written—with ability to present complex findings clearly to diverse stakeholders.
• Natural leadership qualities with ability to influence and drive compliance across teams while maintaining professional relationships.
• Deep understanding of retail operations, financial services regulations, and audit best practices in African markets.
• Risk management expertise with experience in fraud prevention and implementing robust operational controls.
• Process improvement mindset with ability to analyze operational data and identify optimization opportunities.

What We Offer

• A mission-driven environment where your audit excellence directly supports financial inclusion across South Africa.
• Specialized leadership role with opportunity to build audit frameworks from the ground up in a high-growth fintech.
• Direct impact on operational excellence and regulatory compliance across our expanding retail network.
• Advanced analytics focus with access to cutting-edge tools and data-driven decision-making opportunities.
• Competitive compensation and a values-driven culture rooted in innovation, inclusion, and empowerment.
• Professional development opportunities with a diverse, high-performing team committed to operational integrity.

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Expertise

• We are looking for an accomplished training and quality professional with a Bachelor's degree in a relevant field and Training and/or Quality Assurance certifications being a valuable plus, plus minimum 2 years in Retail or Customer service environments with demonstrated success in Training or Quality roles.

You will bring:

• Proven experience in retail or customer service environments with demonstrated success in training or quality assurance roles.
• Technical proficiency with advanced skills in CRM systems, Microsoft Office Suite, and Learning Management Systems.
• Communication excellence with outstanding verbal and written abilities and compelling presentation skills for diverse audiences.
• Analytical mindset with strong problem-solving capabilities, exceptional attention to detail, and data interpretation skills.
• Natural coaching and mentoring abilities with proven performance management experience and ability to drive continuous improvement.
• Understanding of retail operations, service center dynamics, and financial services regulatory frameworks.
• Training design expertise with ability to create comprehensive learning experiences across classroom and digital platforms.
• Quality assurance mastery with experience in audit frameworks, compliance monitoring, and performance evaluation systems.

What We Offer

• A mission-driven environment where your training excellence directly supports financial inclusion across South Africa.
• Transformational leadership role with opportunity to build training and quality frameworks from the ground up in a high-growth fintech.
• Direct impact on team capabilities and customer outcomes across our expanding retail network.
• Advanced learning technology access including our proprietary M-KOPA Academy platform for innovative training delivery.
• Competitive compensation and a values-driven culture rooted in innovation, inclusion, and empowerment.
• Professional development opportunities with a diverse, high-performing team committed to learning excellence.
• If you're ready to transform retail capabilities, drive quality excellence, and build training frameworks that elevate M-KOPA's customer experience in South Africa—we'd love to hear from you.

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Expertise

• Our expectations are that you bring a proven ability to lead and motivate retail sales teams, demonstrating a track record of success in driving performance and achieving sales targets.
• You're skilled in recruiting, onboarding, and developing talent, equipped to nurture a dynamic group of in-store promoters to deliver exceptional customer experiences.
• You should possess strong analytical and data-driven decision-making capabilities, allowing you to effectively monitor sales performance and translate insights into actionable sales strategies.
• Excellent communication and interpersonal skills are essential, as you'll be collaborating with retail partners, internal teams, and customers to ensure alignment on objectives and promotions.
• We seek someone highly organized and adaptable, comfortable managing multiple priorities in a fast-paced retail environment.
• If you have a passion for sales excellence, thrive in roles where you can directly influence team performance, and resonate with our mission of empowering everyday earners across Africa, you're exactly who we're looking for.