Latest Jobs at M-KOPA

About the job

• We are looking for a Sales Executive - Ogbomoso to join our Sales Team as we scale up and drive digital and financial inclusion across our markets.
• This role is an opportunity to drive growth, shape strategies, and inspire a team, all while playing a key part in M-KOPA’s mission to unlock better livelihoods through affordable products.
• Imagine leading a team that isn’t just selling products, but creating connections and empowering people in your community. As our Sales Executive, you will be the force behind the scenes, monitoring and delivering sales targets, developing local networks, and ensuring that every customer interaction reflects the values that make M-KOPA the trusted brand it is today.
• Success in this role will rely on your ability to recruit, train, and mentor a field-based team of Direct Sales Representatives (DSRs). You will guide them, challenge them, and help them exceed their targets by crafting powerful sales and marketing strategies. Your leadership will shape their success, and by extension, the success of the business.
• Your experience in Sales within FinTech, Microfinance, Telecommunications, FMCG, or related industries will be key to identifying growth opportunities and maximizing performance. Your sales and negotiation skills will ensure that you surpass your targets, while your expertise in team motivation and leadership will inspire your team to do the same. You will have the chance to build strong relationships not just within your team but with every customer, constantly learning and adapting in a fast-paced environment.
• As part of M-KOPA’s team, you will also be responsible for monitoring and analyzing marketing campaigns, fine-tuning them to drive results, and ensuring comprehensive reporting that shapes future strategies. Handling DSR inventory and managing audit recommendations in line with company policies will be second nature to you, thanks to your process-oriented mindset.
• This is more than just a job—it’s a chance to be a driving force behind a brand that’s changing lives. At M-KOPA, you will have the chance to grow, innovate, and truly make an impact. If you’re ready to be a driving force in M-KOPA’s growth, we want you on our team.

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• What You'll Do At M-KOPA, you'll build sophisticated Android applications 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 Android development with purpose-driven engineering that makes digital and financial inclusion possible across Africa.

Technical Environment 

• Modern Android Stack: We use predominantly Kotlin with Jetpack Compose for our UI
• Architecture & Patterns: Clean Architecture principles with unidirectional data flow (MVI)
• Cloud Integration: Our microservices are hosted on Azure using Kubernetes
• Release Cycle: Bi-weekly Android releases with multiple backend deployments daily
• DevOps Culture: Azure DevOps for CI/CD with trunk-based development

Our Engineering Approach We work in self-organised, agile teams that:

• Focus on raising coding standards and improving application quality
• Embrace testing and observability as first-order concerns
• Deep dive user journeys using data to implement focused updates
• Own the entire software stack throughout the lifecycle under a DevOps culture

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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

Your On-boarding Journey: When you join, you'll participate in our Internal Engineering Bootcamp - an immersive on-boarding experience with our staff engineering group. You'll deep-dive into our event-driven architecture, explore our engineering practices, and understand how we approach building systems at scale. We invest in getting you up to speed properly from day one.

Our Engineering Approach 

We're looking for low-ego, experienced engineers who collaborate exceptionally well and embrace continual learning. As an engineer, you'll work as a collaborator, with more senior members coaching and contributing, placing emphasis on:

• High quality output
• Observability and monitoring
• Automated testing in all environments, including production
• Infrastructure as code and DevOps practices
• Knowledge sharing and collaborative problem-solving

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
• Proven ability to collaborate effectively in distributed teams
• Continuous learning mindset and openness to feedback

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What You Will Do

Strategic Credit Leadership

• You'll evaluate business proposals through a credit risk lens—ensuring they meet sound business criteria while keeping risk within acceptable parameters.
• Your recommendations on credit facilities, terms, and conditions will shape how we grow responsibly.
• You'll identify, quantify, and evaluate credit risks against profitability targets, bringing your deep understanding of consumer credit to inform decisions at the highest levels.

Portfolio Analytics & Insights

• Using SQL, Python, R, and BI visualization tools, you'll deliver the quality analysis that keeps leadership informed on portfolio, product, and customer performance. Beyond regular reporting, you'll manage ad-hoc investigations and causal diagnostics—digging into the "why" behind the numbers.
• You'll design and implement experiments to improve credit performance, working across departments to test hypotheses and drive results.

Model Development & Innovation

• You'll contribute to sophisticated credit and financial models, including IFRS 9 provisioning, bad debt modelling, cash flow projections, and predictive loss rate models. You'll monitor and report on KPIs across core products and pilots—from standard delinquency metrics to more nuanced indicators of portfolio health.
• And you'll challenge existing systems and practices, pushing the team to continuously improve.

Stakeholder Communication

• You'll lead the development of reports for senior management, country leadership teams, and investors—translating complex analytics into compelling narratives through graphical analysis, presentations, and clear written communications.
• You'll build relationships across the business to improve proposal quality and accelerate product launches.

What You Bring

• You have 6-10 years in analytical roles within consumer credit, asset finance, pricing, data science, or strategy consulting, including experience managing teams, portfolios, and projects. You're comfortable working in emerging markets and understand the unique dynamics of consumer credit in these contexts.
• Your technical toolkit includes SQL, Python or R, Power BI, and Excel—and you know how to use them to evaluate performance, build models, and tell compelling stories. You understand business fundamentals like ROI analysis, discounted cash flow, causality, and statistical significance. And you can translate technical subject matter into clear communications for non-technical stakeholders.
• You hold a bachelor's or master's degree in a quantitative field economics, econometrics, data analytics, computer science, statistics, engineering, finance, or behavioural psychology. More importantly, you have strong interpersonal and presentation skills that allow you to influence and collaborate effectively at all levels.

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What You'll Do

• At M-KOPA, you'll lead both Application Security and Threat Intelligence teams while driving comprehensive security strategies that align with business objectives. Our security teams own their solutions end-to-end, from threat modelling and vulnerability research to production monitoring and incident response. Join us in combining cutting-edge security practices with purpose-driven leadership that makes digital and financial inclusion possible across Africa.

Team Leadership:

• Lead Application Security and Threat Intelligence teams
• Build and scale specialised security capabilities
• Mentor talented security professionals

Technical Focus:

• Offensive security including hardware hacking and Android exploitation
• Threat intelligence collection and automation
• Vulnerability research and penetration testing
• Security workflow automation using platforms like n8n

Strategic Responsibilities:

• Threat modelling and risk assessments
• Red team exercise coordination
• Executive partnership and security-to-business translation

Our Security Approach 

• Proactive defence: Combining offensive security research with threat intelligence to stay ahead of emerging risks
• Automation-first: Building automated security workflows and threat intelligence systems for scale
• Business enablement: Translating security requirements into business value and growth opportunities
• Technical excellence: Hands-on leadership that maintains deep expertise in vulnerability research and exploitation
• Cross-functional influence: Partnering across product, engineering, and executive teams to embed security throughout the organisation

What You Need

• You'll bring exceptional leadership and technical depth to shape security at the intersection of offensive security, threat intelligence, and product development. This role offers unique growth potential through executive visibility, cross-functional influence, and direct impact on product security at scale.

Required Experience:

• Hands-on experience in product/application security with proven expertise in vulnerability research, penetration testing, and security architecture
• Experience leading and scaling security teams with demonstrated success building high-performing Application Security and Threat Intelligence functions
• Proven track record building threat intelligence programmes including automation platforms like n8n and hands-on experience with Android security and hardware hacking