---
title: 'Internal Audit Senior at M-KOPA'
canonical: 'https://feeny.ai/job/internal-audit-senior-m-kopa-kenya-a3y9shj154kn'
type: 'job'
last_seen: '2026-09-14'
---

# Internal Audit Senior at M-KOPA

- **Company:** [M-KOPA](https://feeny.ai/companies/m-kopa)
- **Location:** Kenya
- **Employment:** full-time
- **Posted:** 2026-09-14
- **Last confirmed live:** 2026-09-14
- **Apply:** https://jobs.ashbyhq.com/m-kopa/b06b454f-413a-4620-816b-aad12e08b1ad

## Job description

We are looking for an Internal Audit Senior to join our Legal group as we scale up and drive digital and financial inclusion across our markets.

Job Purpose You will lead individual internal audit engagements end-to-end across M-KOPA's operating markets (Kenya, Uganda, Nigeria, Ghana, and South Africa), reporting to the Head of Internal Audit & Risk. This is an execution and delivery role: you own audits from planning through to reporting and follow-up, contribute directly to the annual audit plan, and present findings to management with the judgement and rigour expected of a seasoned, hands-on auditor.

## Key Job Functions

Audit Execution

- Lead assigned audits from start to finish — planning and scoping, fieldwork/testing, documentation, reporting, and follow-up — in line with IIA standards and internal methodology.
- Independently manage engagement timelines, evidence quality, and working paper standards without close supervision.
- Identify root causes (not just symptoms), assess risk impact accurately, and develop practical, actionable recommendations.
- Apply data analytics and audit management tooling to strengthen coverage and efficiency across engagements.

Reporting & Stakeholder Management

- Present audit findings directly to process owners and management, defending conclusions and negotiating realistic, risk-appropriate remediation actions.
- Prepare clear, well-evidenced audit reports for review by the Head of Internal Audit & Risk.
- Build credible working relationships with process owners and country teams to enable efficient fieldwork and honest engagement.

Audit Planning

- Contribute to the development of the annual risk-based audit plan, including scoping proposed engagements and estimating resourcing.
- Flag emerging risks identified during fieldwork for inclusion in future audit cycles or escalation to the Head of Internal Audit & Risk.

Follow-Up & Continuous Improvement

- Track closure of agreed management actions, escalating overdue or inadequately remediated items.
- Support development of audit methodology, templates, and standards as the function matures.
- Mentor and provide on-the-job guidance to junior audit team members where applicable.

Organisation Structure Reports to Head of Internal Audit & Risk

## Experience, Skills & Qualifications

Education

- Degree in a business-related field, IT, Business Information Systems, or a related technical/business field from a recognised university.
- Professional certification required: one of Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), or ACCA (or equivalent, e.g. CPA).
- Additional certifications (e.g. CISM) are an added advantage.

## Experience

- Minimum of 7+ years' audit experience, including prior experience at a Big Four (or equivalent top-tier external audit) firm — this is a requirement of the role, not merely an advantage.
- Demonstrated track record of leading audits independently from planning through to reporting and follow-up, ideally spanning both business process and technology-related audits.

## Skills

- Strong technical audit execution skills — testing design, sampling, evidence evaluation, and root-cause analysis.
- Confident, articulate communicator able to present and defend findings to management under scrutiny.
- Sound working knowledge of risk management principles and control frameworks.
- Strong personal organisation — able to manage multiple concurrent engagements and deadlines with minimal supervision.
- Ability to maintain the highest levels of integrity, confidentiality, and objectivity.
- Comfortable operating across multiple markets and cultures, with willingness to travel.

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](http://m-kopa.com).

Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026), named on CNBC's World’s Top Fintech Companies 2025 & 2026 and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 10 million customers, unlocking $2 billion in cumulative credit for the everyday earners across Africa, in addition to over 10,000 e-bikes financed in Kenya.

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.

If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.

## About M-KOPA

## Company Overview
- **One-liner**: M-KOPA is a leading African fintech platform that provides affordable financial and digital products to cash-based earners, enabling them to finance everyday essentials through daily micropayments.
- **Entity Type**: Private (Growth Stage)
- **Headquarters**: Nairobi, Kenya (Global HQ with additional offices in London, UK)
- **Founded**: 2010
- **Founders**: Jesse Moore (CEO & Co-Founder) and Nick Hughes

## Core Business
- **Primary Industry**: Fintech / Financial Services
- **Target Customers**: B2C focused on "Every Day Earners" — underserved, cash-based entrepreneurs and individuals across Sub-Saharan Africa who lack formal collateral, credit history, or a monthly salary.
- **Mission/Purpose**: "To make financing for everyday essentials accessible to everyone." Their core mission is to "finance progress" for millions of unbanked and underbanked people.

## Products & Services
- **Smartphone Financing**: The core entry product. Customers pay a small deposit (e.g., ~$35) followed by daily micro-instalments (~$0.50/day) via mobile money (like M-Pesa) to own a smartphone. This is the primary gateway to the digital economy.
- **Digital Loans**: After building a repayment credit history, customers can access small, flexible digital loans on an instalment basis.
- **Hospital Coverage (Insurance)**: Affordable health insurance packages offered via the same daily micropayment model.
- **Device Protection**: Insurance for the financed smartphone.
- **Affordable Data Bundles**: Digital subscriptions and data packages available on a similar instalment basis.

## Market Standing
- **Valuation**: Not publicly disclosed. However, M-KOPA has raised substantial growth capital from top-tier global investors.
- **Key Metric**: Over **$1.5 billion in cumulative credit deployed** to more than **5 million customers** across Kenya, Uganda, Nigeria, Ghana, and South Africa. [m-kopa.com](https://www.m-kopa.com/about)
- **Notable Investors**: Includes **Generation Investment Management** (co-founded by Al Gore), **Sumitomo Corporation**, and other leading impact and growth investors. Board members often come from these firms. [m-kopa.com](https://www.m-kopa.com/about)
- **Growth Signals**: M-KOPA now employs over **3,000 staff members** and has a direct sales force of over **30,000 agents**. The company operates one of the largest smartphone assembly factories in the region, producing over 1 million phones locally. [wikipedia.org](https://en.wikipedia.org/wiki/M-Kopa)

## Competitive Advantages
- **Proprietary Tech & Data Stack**: Processes over **1 million payments daily**, using AI-driven analytics to create credit records for individuals with no formal financial history. This is a deep, defensible data moat.
- **Asset-Light Distribution**: A massive, managed direct sales force of 30,000 agents provides a powerful on-the-ground distribution network that is hard to replicate.
- **Customer-Centric Lending**: Offers "Inclusive, Fair, and Flexible" terms. No collateral or proof of income required. Customers can return a product, get their deposit back, and be released from obligations if they cannot pay. This builds immense trust. [m-kopa.com](https://www.m-kopa.com/about)
- **Vertical Integration**: From smartphone assembly to fintech lending to digital services, M-KOPA controls the entire value chain, creating a sticky ecosystem.

## Strategic Focus
- **Deepening Financial Services**: Expanding beyond smartphone financing into digital loans, insurance, and health coverage to become a comprehensive financial partner.
- **Geographic Expansion**: Already in 5 African countries (Kenya, Uganda, Nigeria, Ghana, South Africa) with potential for further market entry.
- **Leveraging AI for Credit Scoring**: Constantly improving their proprietary data models to offer more products and better manage risk for a traditionally "unscoreable" population.
- **M-KOPA Labs**: A research arm that deploys grants to test new technologies and extensions of their platform. [wikipedia.org](https://en.wikipedia.org/wiki/M-Kopa)

## Why Work Here
- **Purpose-Driven Mission**: The work directly impacts financial inclusion and poverty alleviation for millions across Africa. A deeply motivating "why."
- **Rapid Growth & Scale**: Operating in a high-growth environment with a team of 3,000+, providing significant opportunities for career advancement and tackling complex, real-world problems.
- **Global, Pan-African Team**: A diverse team with a "proudly Pan-African footprint" and offices in London, offering a unique cultural experience.
- **Flexible Work**: Offers hybrid and remote working options that suit the demands of the role. [m-kopa.com](https://www.m-kopa.com/careers)
- **Strong Benefits Package**: Includes comprehensive health plans, learning & development resources, and recognition & rewards. They emphasize a culture of "Progress, Excellence, and Humility." [m-kopa.com](https://www.m-kopa.com/careers)
- **Engineering Culture**: Known for building a world-class tech stack from scratch for a unique market.

## Sources
1. [m-kopa.com/about](https://www.m-kopa.com/about)
2. [m-kopa.com/careers](https://www.m-kopa.com/careers)
3. [wikipedia.org/wiki/M-Kopa](https://en.wikipedia.org/wiki/M-Kopa)
4. [uk.linkedin.com/company/m-kopa](https://uk.linkedin.com/company/m-kopa)
5. [jobs.ashbyhq.com/m-kopa](https://jobs.ashbyhq.com/m-kopa)

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