2 Senior Manager jobs in M-KOPA

Senior Manager

New
Nairobi, Nairobi KES120000 - KES240000 Y M-KOPA

Posted today

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Job Description

We are looking for a Senior Manager to join our Credit team as we scale up and drive digital and financial inclusion across our markets.
Are You Ready to Shape the Future of Credit in Emerging Markets?
At M-KOPA, we're pioneering financial access for millions across Africa. We're seeking a
Senior Credit Manager
who will serve as an analytical project manager, bridging credit experience, qualitative observations, economic and behavioral research, and technical data analytics to answer the most critical questions about our credit portfolio.

The Role: Your Impact
This position is where analytical rigor meets strategic influence. You'll lead analysis, management, and communications regarding credit performance across our company's portfolio, customers, products, and services. Your work will provide actionable insights that directly influence consumer credit behavior and shape business decisions at the highest levels.

What You'll Do
Credit Management Excellence

  • Evaluate & Approve: Assess business proposals against sound business criteria, ensure credit risk falls within acceptable parameters, and recommend appropriate credit facilities with strategic terms and conditions
  • Risk Assessment: Identify, quantify, and evaluate credit risks in relation to profitability and financial viability of business banking credits
  • Portfolio Analysis: Provide quality analysis using SQL, R, Python, Excel, and BI visualization tools to inform management on credit performance across portfolios, products, and customers
  • Design Experiments: Create and implement initiatives and experiments aimed at improving and maintaining healthy credit performance across M-KOPA's customer base, working extensively with cross-functional teams
  • Market Intelligence: Stay attuned to industry and market risk developments and trends, understanding their impact on customers and underlying portfolios
  • Economic Analysis: Consolidate, analyze, and maintain economic/market data for portfolio analysis, stress testing, and other departmental objectives

Systems, Models & Reporting

  • Model Development: Contribute to developing credit and financial models including IFRS 9 provisioning, bad debt modeling, cash flow modeling, and predictive loss rate models
  • Performance Monitoring: Track and report on key metrics for M-KOPA's core products and pilots—including portfolio health, delinquency reporting, repayment rates, and roll rates
  • Systems Innovation: Challenge existing credit management systems, procedures, and practices, implementing improvements across all credit management areas
  • Executive Reporting: Lead development of reports for senior management, country leadership teams, and investors using graphical analysis, PowerPoint presentations, and compelling written/verbal communications
  • Continuous Innovation: Test new data, analytics approaches, and models to push the boundaries of what's possible
  • Granular Analysis: Analyze portfolio performance at segment level on an ongoing basis, identifying trends and conducting root-cause analysis to isolate key performance drivers

Leadership & Collaboration

  • Stakeholder Relationships: Build strong relationships with key stakeholders to improve quality of business proposals and turnaround time on pricing and product launches
  • Technical Communication: Routinely communicate complex technical subject matter clearly to team members and relevant stakeholders
  • Cross-Functional Partnership: Work in partnership with diverse teams, fostering a supportive and collaborative atmosphere that encourages diverse viewpoints and problem-solving
  • Team Management: Lead and develop Credit Analysts, prioritizing analyst time across various projects

Your Decision-Making Authority
This role comes with significant responsibility. You'll make recommendations and decisions on:

  • Credit metric assumptions for pricing models
  • Country-wide KYC and underwriting standards
  • Prioritization of analyst time on various projects
  • Bad debt provisioning and adjustments
  • Interventions to improve credit performance
  • Product, service, and pricing decisions

What You Bring
Essential Experience & Education:

  • 6-10 years of work experience in consumer credit, asset finance, pricing, data science, behavioral research, or strategy consulting
  • Proven track record managing teams, portfolios, and complex projects
  • Bachelor's or Master's degree preferably in quantitative fields: Economics, Econometrics, Data Analytics, Computer Science, Statistics, Engineering, Credit Management, Finance, or Behavioral Psychology

Technical Mastery:

  • Analytical Tools: Proficiency in SQL, R, Python, PowerBI, Excel, PowerPoint, Word
  • Credit & Financial Analysis: Skills to effectively evaluate and report on key performance metrics
  • Statistical Foundation: Clear understanding of statistics, quantitative methods, and best practices
  • Business Concepts: Deep understanding of ROI analysis, discounted cash flow, causality, and statistical significance

Highly Valued:

  • Knowledge of lending business practices and consumer credit in emerging markets
  • Experience with IFRS 9 provisioning and financial modeling
  • Understanding of behavioral economics and credit psychology

Key Competencies:
Core:
Adaptability | Innovation | Continuous Learning | Results-Oriented | Fostering Feedback | Attention to Detail

Leadership:
Strategic Leadership | Strategic Thinking & Planning | Building Collaborative Teams | Managing Performance & Coaching | Leading Change

Technical:
Credit Risk Management | Credit Risk Assessment | Business Environmental Analysis | Credit Analytics & Reporting | Credit Portfolio Management

Why This Role Matters
You won't just manage credit—you'll shape how millions of people access financial services. Your analyses will directly influence pricing strategies, product development, and credit policies across multiple African markets. You'll present to C-suite executives and investors, design experiments that test new approaches, and build models that forecast portfolio performance.

This is analytical work with real human impact—where your ability to identify problems, scope solutions, manage analytical workflows, and communicate actionable recommendations will directly contribute to M-KOPA's mission of financial inclusion.

Ready to Lead Credit Innovation in Africa?
If you're excited by complexity, energized by emerging markets, and ready to make decisions that impact millions of lives, we want to hear from you.

Apply now and join M-KOPA's mission to transform credit access across Africa.
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-
.

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.

This advertiser has chosen not to accept applicants from your region.

Senior Manager

New
Nairobi, Nairobi KES1500000 - KES3000000 Y M-KOPA

Posted today

Job Viewed

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Job Description

Senior Manager, Sales Force Safety | M-KOPA (Global Role)

Architecting safety for 25,000+ field agents across five African markets
You've built safety programs. You've managed compliance. You've probably even transformed organizational culture around worker protection. But here's the question: have you ever designed a safety ecosystem for
25,000+
field agents operating across five African markets—agents whose daily work is unlocking financial inclusion for millions?

This isn't about checking boxes. It's about architecting something that doesn't exist yet.

The Context: Building Protection at Scale
M-KOPA has grown from 5 million to
7 million customers
in the past year, unlocking
$2+ billion in credit
for people previously excluded from financial services.
86% of our customers
report improved quality of life.
70%
use our products for income generation. Behind these numbers? A
25,000+ sales force network
operating across Kenya, Nigeria, Ghana, Uganda, and South Africa—the engine that powers everything we do.

We're on a trajectory to reach 10 million customers. But growth at this velocity requires infrastructure that can scale with it. We've deliberately expanded our team by 300+ people in the past year, not randomly, but strategically building the foundations that enable the next phase. This role is part of that infrastructure: the person who ensures our sales force operates safely, protected, and supported as we scale.

Why This Timing Matters
You're reading this because we're at an inflection point. We've scaled the business. Now we're systematizing how we protect the people who make it possible. This isn't about fixing what's broken—it's about building proactively for the next 18,000 agents we'll bring into the network. You're joining at the moment when your frameworks won't just govern 25,000 people; they'll shape how we protect 40,000+ as we continue growing.

The audit findings aren't problems—they're your mandate. They're proof that leadership recognizes the gap and is investing in solving it properly, once, at the strategic level.

What Makes This Different
Most safety roles manage compliance. This one architects transformation.

Your typical corporate safety role: implementing policies someone else designed, managing incidents reactively, reporting upward. This role: you own the strategy. You design the governance. You decide what good looks like across five markets with distinct cultural contexts, regulatory environments, and risk profiles. You'll work with Legal, Audit, Risk & Compliance (LARC), HR, and Sales Leadership—not as the person executing their priorities, but as the expert they defer to.

You won't just respond to gender-based violence and harassment (GBVH) concerns. You'll build the preventive frameworks, the grievance mechanisms, the training curricula that stop incidents before they happen. You'll deploy technology—rapid response systems, anonymous reporting tools—that most organizations in our space haven't even considered yet.

And everything you build will directly enable financial inclusion for millions of people accessing products and services for the first time.

What You'll Actually Do
You'll spend your first 90 days conducting systematic risk assessments across all five markets, identifying the highest-priority safety gaps and vulnerabilities. You'll interview sales leaders, DSRs, country teams. You'll examine incident data, audit findings, existing protocols. You'll emerge with a comprehensive remediation roadmap—not a document that sits on a shelf, but an executable plan with clear ownership, milestones, and measurable outcomes.

Then you build. You'll design grievance mechanisms that sales agents actually trust and use. You'll create training programs that embed safety thinking into onboarding and ongoing development. You'll establish quarterly OKRs that tie safety performance to business metrics. You'll implement monitoring dashboards that give real-time visibility into safety metrics and emerging risks across the entire network.

You'll also lead partnerships—with external security vendors, technology providers, specialized GBVH service providers—ensuring our sales force has access to protection capabilities that match the complexity of their operating environment.

This role is demanding. You'll manage competing priorities from senior stakeholders across functions. You'll navigate cultural sensitivities around reporting and intervention. You'll make decisions with imperfect information in fast-moving situations. And you're probably ready for exactly this.

What You Bring

  • Extensive progressive experience building safety, compliance, or welfare programs in complex, multi-geography organizations—particularly in emerging markets or field-based operations. You've done more than manage programs; you've architected them from strategic vision through operational execution.
  • Deep subject matter expertise in gender-based violence prevention, field staff safety protocols, and crisis management, with demonstrable impact in high-stakes environments. Professional certifications in safety management, crisis response, or GBVH prevention strengthen your candidacy.
  • Proven ability to design scalable operational frameworks, lead cross-functional stakeholder partnerships, and deliver measurable results in high-visibility environments. You bring strong analytical capabilities and understand how to build monitoring and evaluation systems that actually drive improvement.

The Reality Check
This role reports to the Director of Customer Care & Retail with matrix relationships to Sales Heads and General Managers across five markets. You'll be influencing without direct authority frequently. You'll be the most senior person in the room on your topic, which means you need to bring both confidence and humility—confidence in your expertise, humility in how you bring others along.

You'll work in a global role that's remote/hybrid, but you'll need comfort operating across African time zones and traveling to markets regularly. Your frameworks need to work in Lagos and Nairobi and Kampala—contexts with different regulatory environments, cultural norms, and operational challenges.

Your Impact
You'll build the sales force safety program that becomes the industry standard. You'll establish M-KOPA as the employer of choice for field agents because they know they're genuinely protected. You'll create frameworks that other organizations in our space study and replicate.

More directly: you'll ensure that the 25,000+ people powering financial inclusion for 7 million customers can do that work safely, confidently, and sustainably.

Ready to architect safety at scale? Let's talk.

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-
.

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.

This advertiser has chosen not to accept applicants from your region.
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