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We finance progress
We offer innovative financial and digital products that help people unlock their potential.
Our Purpose
We’re redefining financial services for millions of people. Many hardworking individuals, earning a daily living for themselves and their families, are often overlooked and traditionally underserved.
Half a billion adults in Africa are not yet connected to the internet.
Many don’t have the means to save up to buy essential products that would help them to earn more money.
Many are locked out of accessing the credit they need to build their businesses or provide for their families.
We’re creating a new generation of products for people who are regularly excluded because they don’t have a formal monthly salary, access to collateral and aren’t fully connected to the digital economy. We solve this problem by combining world-class software, hardware and distribution. We’ve built:
- One of the largest proprietary tech & data stacks in Africa processing over 1 million payments a day.
- One of the largest direct sales forces on the continent with over 30,000 agents.
- One of the largest smartphone assembly factories in the region with
- over 1 million phones made locally.
- We aren’t afraid of doing what it takes to serve our customers.
Our Story
M-KOPA was founded in 2010 on the idea that combining digital micropayments with GSM connectivity could provide affordable access to life-enhancing products. Since then, we’ve built a financial platform that has deployed over $1.5 billion in credit and enabled over 5 million customers across five countries - Kenya, Uganda, Nigeria, Ghana and South Africa - to own quality smartphones, access digital services and progress towards their financial goals.
Our innovative model provides affordable daily repayment plans that match the realities of how people earn their money. We offer flexible and locally relevant products to help people achieve progress in their lives.
The Smart Money Platform
Our financial journey with customers starts with financing a smartphone, the primary gateway to the digital economy.
Through a small deposit and affordable daily micro-instalments, customers build up their repayment credit history. Customers then leverage this credit history to access additional financial services: digital loans, hospital coverage, device protection and affordable data bundles, which are all made available on a similar instalment basis.
Our embedded financing approach transforms a conventional smartphone into a personal finance tool. Customers get instant access to essential products that they otherwise couldn’t afford.
By building a long-term relationship with our customers, M-KOPA has become a trusted partner in helping people boost their incomes, build financial resilience and progress to the futures they aspire to.
Our Values
1. Progress
Progress Every Day
We pioneer, learn and strive to get better. We embrace thinking differently, taking risks, and challenging the status quo to help our customers and team achieve progress.
2. Excellence
Excellence Where it Counts
We are clear about what matters and focus relentlessly on executing our top priorities with excellence. We sweat the details and take pride in delivering our personal best.
3. Humility
Humility in Service of our Customers
We are a diverse team united by passion for our mission. We place our customers at the heart of everything we do and collaborate without ego to deliver for them.
Customer Promise
Our customers work hard every day to earn a living, and every day, they choose whether to invest their hard-earned money in M-KOPA. We commit to work just as hard to earn their investment in us. Our customer-centric lending approach is:
1) Inclusive
We don’t require collateral, guarantees, or proof of income. With an ID and initial deposit, customers can begin using high-quality products to power their life and business and use the income they earn to make small daily or weekly payments.
2) Flexible
We understand that customers have to miss payments occasionally. When they do, we don’t burden them with steep penalties and we give them options to keep using their product while they get back on their feet.
3) Fair
What is advertised is what the customer pays, always. Customers can return their product at any time, get their deposit refunded, and be released from their payment obligations.
Current Job Vacancies at M-Kopa:
CorporateCustomer Insights
Customer Insights - Associate
Customer Insights • Johannesburg • Full time
Research Operations Manager
Customer Insights • Kenya; Ghana; Lagos; Uganda; Johannesburg • Full time
CorporateFinanceProcurement
Senior Lead Procurement
Procurement • Kenya • Full time • On-site
CorporateGeneral Management
Chief of Staff
General Management • Nairobi; Johannesburg • Full time
CorporateHuman Resources
International Employee Relations Manager
Human Resources • Nairobi • Full time
CorporateHuman ResourcesHuman Resources
Senior Compensation & Benefits Manager
Human Resources • Nairobi; Johannesburg; London • Full time
Senior Compensation & Benefits Manager
Human Resources • London ; Johannesburg; Nairobi • Full time • Remote
CorporateHuman ResourcesShared Services
HR Manager - Global Mobility & Benefits
Shared Services • Kenya • Full time
Senior Lead - HR Shared Services
Shared Services • Nairobi • Full time
Shared Services Manager
Shared Services • Nairobi • Full time
FintechCreditCredit
Senior Commercial Insights Manager
FintechCustomer Retention
Customer Retention Shop Executive
Customer Retention • Ghana; Kumasi • Full time
FintechCustomer RetentionCustomer Retention - Management
Customer Retention Manager
Customer Retention - Management • Johannesburg • Full time
FintechCustomer RetentionCustomer Retention - Outbound
Telesales Agent
Customer Retention - Outbound • Kampala • Full time
UGX 600K per month • Offers Commission
Telesales Representative - Outbound
Customer Retention - Outbound • Kampala • Full time
UGX 600K per month • Offers Commission
Telesales Representatives - Outbound
Customer Retention - Outbound • Accra • Full time
FintechFraud
Customer Care Analyst - Uganda
Fraud Manager
FintechFraudInvestigation
Junior Fraud Investigator - Limpopo
Investigation • Limpopo • Full time
FintechTechnologyAnalytics
Senior Analytics & MLOps Platform Engineer
FintechTechnologyIT Operations
IT Support Engineer
IT Operations • Kampala; Entebbe • Full time • On-site
FintechTechnologyProduct Management
Growth Campaign Manager - Digital Financial Services
Product Management • Nairobi; Lagos • Full time • Remote
Product Manager - Retention
Senior Product Manager - Inventory
Product Management • Nairobi; Lagos; Johannesburg; Accra; Kampala; Egypt; Cape Town • Full time
FintechTechnologySoftware Engineering
Backend Engineering Team Lead
MobilityManagement
General Manager - Mobility
Management • Nairobi; Lagos; Accra; Johannesburg; Kampala; London • Full time
SmartphonesRetailRetail Expansion and Audit
Field Auditor - Oyo/Kwara/Osun
Retail Expansion and Audit • Oyo; Osun; Kwara • Full time
Regional Retail Coordinator - Ondo
Retail Expansion and Audit • Ondo State • Full time
SmartphonesRetailRetail Stock Controller
Retail Stock Controller
Retail Stock Controller • Uganda • Full time
Stock Controller - Afram Plains
Retail Stock Controller • Ghana • Full time
Stock Controller - Akuapim North
Retail Stock Controller • Ghana • Full time
Stock Controller - Asangragua
Retail Stock Controller • Ghana • Full time
Stock Controller - Bibiani
Retail Stock Controller • Ghana • Full time
Stock Controller - Bosomtwe
Retail Stock Controller • Ghana • Full time
Stock Controller - Breman Asikuma
Retail Stock Controller • Ghana • Full time
Stock Controller - Dorma Ahenkro
Retail Stock Controller • Ghana • Full time
Stock Controller - Dunkwa-on-Offin
Retail Stock Controller • Ghana • Full time
Stock Controller - Half Assini
Retail Stock Controller • Ghana • Full time
Stock Controller - Hwidiem
Retail Stock Controller • Ghana • Full time
Stock Controller - Keta
Retail Stock Controller • Ghana • Full time
Stock Controller - Kintampo
Retail Stock Controller • Ghana • Full time
Stock Controller - Mim
Retail Stock Controller • Ghana • Full time
Stock Controller - New Eddubiase
Retail Stock Controller • Ghana • Full time
Stock Controller - Somanya
Retail Stock Controller • Somanya; Ghana • Full time
Stock Controller - Suame-Maakro
Retail Stock Controller • Kumasi; Ghana • Full time
Stock Controller - Tepa
Retail Stock Controller • Ghana • Full time
Stock Controller - Wassa Akropong
Retail Stock Controller • Ghana • Full time
Stock Controller - Zebilla
Retail Stock Controller • Ghana • Full time
SmartphonesSales
Field Sales Manager -Uganda
UGX 1.5M per month • Offers Commission
SmartphonesSalesField Sales Force
Area Sales Manager
Field Sales Force • Mbombela (Nelspruit) • Full time
Area Sales Manager - Delft
Field Sales Force • Western Cape • Full time • On-site
Area Sales Manager - East London
Field Sales Force • East London • Full time
Area Sales Manager - Khayelitsha
Field Sales Force • Western Cape • Full time • On-site
Area Sales Manager - Mitchells Plain
Field Sales Force • Western Cape • Full time • On-site
Area Sales Manager - Phillipi
Field Sales Force • Western Cape • Full time • On-site
Deputy Regional Manager
Field Sales Force • Mbombela (Nelspruit) • Full time
Deputy Regional Manager - Delft
Field Sales Force • Western Cape • Full time • On-site
Deputy Regional Manager - East London
Field Sales Force • East London • Full time
Deputy Regional Manager - Khayelitsha
Field Sales Force • Western Cape • Full time • On-site
Deputy Regional Manager - Mitchells Plain
Field Sales Force • Western Cape • Full time • On-site
Deputy Regional Manager - Phillipi
Field Sales Force • Western Cape • Full time • On-site
Regional Sales Training Lead - Ondo State
Field Sales Force • Ondo State • Full time
Sales Executive - Alimosho
Field Sales Force • Lagos • Full time
Sales Executive - Ondo
Field Sales Force • Ondo State • Full time
Sales Executive Uganda - Ntungamo
Field Sales Force • Uganda; Ntungamo • Full time
UGX 1.2M per month • Offers Commission
SmartphonesSmartphone Operations
Technical Testing Manager
Smartphone Operations • Nairobi • Full time • On-site
SmartphonesWarehouse and Logistics
Senior Lead - Warehouse
Warehouse and Logistics • Johannesburg • Full time
Senior Procurement Manager - Second Hand Smartphones
Warehouse and Logistics • Lagos • Full time
Senior Procurement Manager - Second Life Smartphones
Warehouse and Logistics • Lagos • Full time
Senior Sourcing Manager – Second Life Devices
Warehouse and Logistics • Lagos • Full time
Supply Chain Manager - Secondhand Smartphones
Warehouse and Logistics • Lagos • Full time
Supply Chain Officer
Warehouse and Logistics • Kampala • Full time
Warehouse and Logistics Officer
Warehouse and Logistics • Kampala • Full time
Disclaimer
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.
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