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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.

• Developing and implementing comprehensive business development strategies to achieve company growth targets.
• Identifying and evaluating new market opportunities, including potential partnerships, alliances, and acquisitions.
• Leading the negotiation and closing of significant commercial agreements and strategic alliances.
• Building and maintaining strong relationships with key stakeholders, clients, and partners at executive levels.
• Leading and mentoring a distributed team of business development professionals.
• Conducting market analysis, competitive intelligence, and industry research to inform strategic decisions.
• Developing compelling business cases and financial projections for new ventures and initiatives.
• Collaborating closely with sales, marketing, product, and finance teams to ensure alignment of strategies.
• Representing the company at industry conferences, trade shows, and executive forums.
• Monitoring market trends and identifying potential threats and opportunities for the organization.

• Lead and manage end-to-end client consulting engagements.
• Conduct in-depth analysis of client business operations, challenges, and opportunities.
• Develop strategic recommendations and actionable roadmaps for business improvement.
• Design and implement organizational change initiatives.
• Facilitate workshops and stakeholder alignment sessions.
• Manage client relationships at all levels, particularly with senior executives.
• Lead and mentor project teams, fostering a collaborative and high-performance culture.
• Contribute to business development efforts, including proposal writing and client presentations.
• Stay current with industry trends, best practices, and emerging business strategies.
• Ensure the delivery of high-quality, impactful consulting solutions.

• MBA or Master's degree in Business Administration, Finance, Economics, or a related field.
• Minimum of 7 years of progressive experience in management consulting or a strategic role within a large organization.
• Proven track record of successfully leading complex business transformation projects.
• Expertise in strategic planning, operational improvement, organizational design, and change management.
• Exceptional analytical, quantitative, and problem-solving skills.
• Strong financial acumen and business modeling capabilities.
• Outstanding communication, presentation, and interpersonal skills.
• Ability to manage multiple projects simultaneously and thrive in a remote, client-facing environment.
• Demonstrated leadership and team-building capabilities.
• Intellectual curiosity and a passion for driving client success.

About Pula
We are an insuretech firm that provides agriculture insurance design and execution services, specialising in index based insurance and are backed by top tier VC investors who have invested more than $25 million in the business. Since 2015 we have provided climate insurance to 19 million smallholder farmers, 41% of which were women across 13 markets in Africa and Asia who pay an average of $.8 per season to insure their crops. So far we've unlocked over 2.5 billion of capital from local and international insurance markets for climate risks since we started in 2015 and paid out 40.8 million to our client farmers.

According to the UN's InterGovernmental Panel for Climate Change more than 3.3 billion people globally live in hotspots with high vulnerability to climate change and are now already feeling the impact of climate change through increased temperatures and increasingly erratic rainfall. Insurance is a tool for vulnerable households in these affected regions to adapt to the effects that climate change is already having today on these households. It is a tool that enables for compensation payment for losses and damages that these households had no part in causing. Insurance compensation enables these households to make adjustments to their day to day livelihoods and practices and therefore allows for an equitable and just transition.

We are a for profit organisation, and have raised over 10 million from leading venture and institutional investors as well as developed philanthropic relationships with private foundations and bilateral donors such as the Bill & Melinda Gates Foundation and German Insure Resilience Solutions Fund that have accelerated investments in our target markets.

At Pula, our values are:

• Obsessed with results: We are responsible for our future and therefore we get things done
• Connect the Dots: We continuously identify different customer needs & business problems and build solutions that deliver value.
• Have a Can do Attitude We dare to do things differently to make things work.
• We have each others' back: We look out for each other & we share high quality, timely feedback that makes us better.

Pula is proudly fast paced, constantly learning from the challenges we face and overcome. We are proudly culturally diverse but united in our ambition of continuous high-performance. By challenging ourselves we believe that we can overcome the hard problems we love solving.

About Pula Re
Pula Reinsurance Ltd (Pula Re) is the venture by Pula Advisors AG to enter the reinsurance space leveraging on its existing market presence across Africa & Asia. Pula Re is domiciled in Bermuda and will be focussed on emerging economies, targeting high-growth markets across Africa, Asia, and a select exploratory regions such as Latin America, with a strong focus on agriculture, parametric, climate, property cat, speciality and transition risks, along with conventional risks while benefitting and protecting those most vulnerable rural farming communities and in specific women.

Overall Objective
As an early member of the leadership team, you will play a pioneering role in establishing the Property, Casualty & Specialty Lines function from the ground up. This position combines marketing, technical underwriting, claims management, and reinsurance placement, with a strong focus on underwriting discipline, profitable growth, and relationship building.

You will identify new business opportunities and manage or develop relationships with insurers, reinsurance brokers, and other reinsurers to expand Pula RE's footprint across its target markets. It is a hands-on, market-facing role that will require regular travel across Pula RE's focus regions. Team expansion will evolve in line with business growth.

Key Responsibilities

• Develop relationships with insurers, RI Brokers and other reinsurers to maximize opportunities and achieve profitable growth.
• Initiate market visits and calls to market players to identify sales opportunities and collect intelligence.
• Achieving new business premium, renewal premium retention and monitoring rate, exposure and retention.
• Collaborate with HoDs & senior members of broader Pula Group to develop synergies and local tactics to attract and retain business while executing Pula Re's underwriting strategies and initiatives.
• Within Pula Re's guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing.
• Make sound risk and pricing decisions that achieve profitable loss ratios.
• Maintain underwriting quality as per Pula Re underwriting framework.
• Document underwriting file to support acceptability and pricing in accordance with Pula Re guidelines.

• Achieve customer service standards, including established objectives for:

• New business quote turnaround.

• Renewal quotes
• Endorsement, cancellation, audits and other transactions.

• Policy issuance

• Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction.

• Review mid-term endorsement requests for acceptability and provide instructions for processing.
• Evaluate premium/risk referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current terms with acceptable changes to ensure the company gets timely payment of adequate premium.
• Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and act when the inspection reveals unacceptable risk characteristics.
• Determine if retro-facultative reinsurance is needed and if so, factor retro cost in gross pricing, complete cession procedures; documentation file and follow established workflow procedure to ensure proper reporting / accounting.
• Managing claims management encompassing recovery from retro partners, payouts cedants and evaluating all claim slips and related documentation.
• Support other team members as assigned when the other underwriter is traveling or out on vacation / sick time.
• Building underwriting acumen of internal and external stakeholders through training and development opportunities.

Who you are
Qualifications & Experience

• Bachelor's degree required; advanced degree (MBA, Master's in Business, or degree in Engineering/Technology) preferred.
• Professional insurance certification (e.g., CII, Insurance Institute of Kenya) advantageous but not mandatory.
• Proven success in commercial lines property, casualty, or specialty insurance, ideally within a reinsurer or reinsurance broker of repute.
• Experience in surplus lines underwriting and retrocession treaty design highly preferred.
• Underwriting experience in the parametric insurance sector will be beneficial.
• Strong network and relationships across insurance and reinsurance markets in and beyond Africa.
• Skilled in process mapping, operational efficiency, and cost management.

Skills & Attributes

• Entrepreneurial mindset with a bias for action and ownership.
• Strong commercial judgment and decision-making ability.
• High integrity, resilience, and reliability in delivering results.
• Adaptive and unafraid of ambiguity or high-pressure environments.
• Change champion; open to unlearning convention and embracing innovation.
• Gravitas and presence to engage senior stakeholders and external partners.
• Excellent communication, negotiation, and relationship-building skills.
• Growth-oriented leader passionate about learning and developing others.
• Fluent in English; knowledge of other international languages is an asset.

What Pula will bring to the table

• Your work matters
  : At Pula, you'll shape systems that give millions of smallholder farmers access to insurance for the first time. You'll join a team that has already reached over 19 million farmers across Africa and Asia, and you'll directly contribute to scaling this impact even further.
• Career development:
  You'll be working in a high-performance environment with strong mentorship and leadership that values transparency, execution, and personal growth. As we enter our next phase of accelerated expansion, you'll naturally gain opportunities to take on new responsibilities and grow your career.
• Global recognition:
  Backed by top global investors and foundations; Pula is a solid, well-funded organization. Our work is recognized globally (from winning the Singapore FinTech Festival Award to being featured in The Economist and TED Talks) and you'll be part of a brand that is respected in the industry.
• Purpose with Rewards:
  Few opportunities combine career advancement with genuine purpose. At Pula, your work directly contributes to financial security for farmers in emerging markets, while also offering competitive pay, performance incentives, and an employee share option plan with equity upside.

To learn more about Pula you can visit
TED Talk: Crop Insurance, an Idea Worth Seeding

New York Times: He Grew up on a Farm. Now, He Helps Protect Them

The Economist: The Poor, Who Most Need Insurance, Are Least Likely to Have It

How to apply
Fill out the form below, and upload a resume in English.

Pula's mission is to provide farmer resilience. To achieve this, we put our small holder farmers that use our services and the employees that provide them at the heart of everything we do. For that purpose, Pula was created to be an equal opportunity employer that celebrates diversity and is committed to creating an inclusive environment for all employees.

Company Description

M-KOPA is a UK-headquartered emergent market fintech company offering affordable smartphone and e-motorbike financing as well as embedded digital financial services. Operating in Nigeria, Ghana, Kenya, South Africa, and Uganda, M-KOPA has extended over $2 billion in credit to more than 7 million customers. The innovative financing model is based on daily repayments suitable for Every Day Earners. Utilizing rich payment data and AI-driven analytics, M-KOPA crafts individual credit records to form long-term financial relationships for digital loans, affordable data subscriptions, and insurance. With over 3,000 employees and 30,000 sales agents across its markets, M-KOPA has been recognized by the Financial Times as one of Africa's Fastest Growing Companies for the past 4 years and twice listed by Time Magazine as one of the 100 Most Influential Companies globally.

Role Description

This is a full-time, on-site role based in Nairobi County, Kenya. The Job Title will be responsible for performing daily tasks associated with the role, which could include tasks relevant to the department or team's functions. Key responsibilities might include collaborating with colleagues, ensuring operational efficiency, and achieving set objectives.

Qualifications

• Technical skills relevant to the specific job role
• Problem-solving and analytical skills
• Interpersonal and communication skills
• Time management and ability to work under pressure
• Adaptability and willingness to learn
• Proficiency with specific software or tools required
• Experience working in a similar role or industry is a plus
• Bachelor's degree in a related field or equivalent experience