M-Kopa

About M-KOPA

M-KOPA is a UK-headquartered emerging market fintech platform that is transforming financial inclusion across Africa. Since our commercial launch in 2012, we have become a leading provider of affordable smartphones and digital financial services, with operations spanning Nigeria, Ghana, Kenya, South Africa, and Uganda.

Our innovative financing model, built on daily micropayments and proprietary AI-driven analytics, has enabled us to extend over $1.5 billion in credit to more than 5 million underserved customers. We specialize in serving individuals who earn their income daily, providing them with access to life-enhancing products including smartphones, solar home systems, and a suite of digital financial services such as loans, data subscriptions, and insurance.

With a workforce of over 3,000 employees and 30,000 sales agents across our African markets, M-KOPA has been consistently recognized for excellence. We've been named among the Financial Times' "Africa's Fastest Growing Companies" for four consecutive years and featured by Time Magazine as one of the companies changing the world. Our commitment to financial inclusion and sustainable development has earned us recognition from Bloomberg New Energy Finance, Fortune Magazine, and MIT Technology Review.

The Senior Finance Controller - DFS plays a pivotal role in maintaining the financial integrity and operational excellence of our Digital Financial Services business. This position is responsible for ensuring accurate, timely, and compliant financial reporting while driving strategic financial planning and operational efficiency across General Ledger, Accounts Payable & Treasury, and Asset Management functions.

Key Responsibilities

Financial Reporting & Compliance

• Lead the preparation and maintenance of comprehensive financial records ensuring complete accuracy and regulatory compliance
• Drive timely month-end and year-end close processes, meeting all reporting deadlines
• Monitor, analyze, and reconcile general ledger accounts with meticulous attention to detail
• Support both internal and external audits by providing thorough documentation and insights
• Ensure full compliance with IFRS and local regulatory requirements

Financial Controls & Operations

• Design, implement, and continuously improve financial controls and procedures to safeguard company assets
• Lead process optimization initiatives to enhance operational efficiency and accuracy
• Maintain robust internal control frameworks aligned with best practices
• Conduct regular reviews of financial processes to identify improvement opportunities

Treasury & Cash Management

• Oversee comprehensive cash flow forecasting and treasury operations
• Optimize liquidity management strategies to support business growth
• Maintain and strengthen banking relationships across multiple jurisdictions
• Support financial risk management initiatives and investment activities
• Ensure efficient working capital management

Accounts Payable & Vendor Management

• Manage end-to-end vendor payment processes ensuring compliance with procurement policies
• Oversee timely and accurate processing of invoices and expense claims
• Implement vendor management best practices and payment optimization strategies
• Maintain strong relationships with key suppliers and service providers

Strategic Partnership

• Partner with business units to provide financial insights and support decision-making
• Contribute to strategic financial planning and budgeting processes
• Provide analytical support for business cases and investment decisions
• Collaborate with cross-functional teams to drive financial performance

Required Qualifications & Skills

Professional Qualifications

• Essential: Chartered Accountant certification from ICAN, ACCA, or equivalent recognized professional body
• Minimum 4 years of progressive finance experience.
• Experience in fintech, digital financial services, or technology companies strongly preferred

Technical Competencies

• Expert knowledge of IFRS and Nigerian financial reporting standards
• Advanced proficiency in ERP systems (SAP, Oracle, or similar) and financial management tools
• Strong command of Microsoft Excel and financial modeling techniques
• Experience with treasury management systems and payment platforms
• Understanding of digital payment ecosystems and mobile money operations

Core Competencies

• Exceptional analytical and problem-solving capabilities with data-driven decision-making skills
• Outstanding attention to detail combined with ability to see the bigger picture
• Strong organizational and project management abilities
• Excellent written and verbal communication skills
• Proven stakeholder management and leadership capabilities
• Ability to work effectively in a fast-paced, dynamic environment
• Cultural sensitivity and experience working in multicultural teams

Performance Indicators

• Financial Accuracy: Zero material errors in financial reporting and 99%+ reconciliation accuracy
• Timeliness: Consistent achievement of reporting deadlines with month-end close within 5 business days
• Compliance: 100% audit compliance with no significant findings
• Process Efficiency: Demonstrated improvements in payment processing times and cash management effectiveness
• Stakeholder Satisfaction: Positive feedback from internal and external stakeholders on financial support and insights
• Control Environment: Strong internal control ratings with successful implementation of improvement initiatives

Why M-KOPA?

At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.

Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com.

Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 5 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.

Important Notice

M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.

M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.

M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.

Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.