---
title: 'Mobility Finance Manager at M-KOPA'
canonical: 'https://feeny.ai/job/mobility-finance-manager-m-kopa-kenya-s2jfpeda2hdf'
type: 'job'
last_seen: '2026-09-14'
---

# Mobility Finance Manager at M-KOPA

- **Company:** [M-KOPA](https://feeny.ai/companies/m-kopa)
- **Location:** Kenya
- **Employment:** full-time
- **Posted:** 2026-09-09
- **Last confirmed live:** 2026-09-14
- **Apply:** https://jobs.ashbyhq.com/m-kopa/1d3cf261-ac79-4fe7-8abc-ad6d040786e6

## Job description

Mobility Finance Manager — M-KOPA Kenya Mobility Limited

You've built the controls. You've closed the books. You've explained the numbers to boards who didn't want to hear them. But have you ever built the entire financial architecture of a business from the ground up — while that business is simultaneously scaling, lending, and displacing carbon emissions one electric motorbike at a time?

That's the question at the centre of this role.

M-KOPA Kenya Mobility Limited is the electric vehicle financing arm of M-KOPA — sub-Saharan Africa's largest asset fintech. We finance electric two- and three-wheelers for riders who pay daily via mobile money, building credit history while cutting their fuel costs. Each bike financed saves its rider an average of $5.62 every single day. More than 4,000 e-motorbikes are already on the road. We're just getting started.

## Why this matters right now

M-KOPA has crossed 7 million customers, unlocked more than $2 billion in credit, and is on a deliberate path to 10 million. The Mobility entity is a critical piece of that next chapter — and it's scaling fast. It operates with its own balance sheet, its own lender covenants, its own P&L, and its own reporting cycle. That's not a legacy structure: it's a business being built in real time, with real lenders, real OEM supply chains, and real IFRS obligations. We are hiring a Mobility Finance Manager to own the full financial management of this entity — not to maintain a finance function, but to build one.

What this role actually is

This is a hands-on, high-ownership position. You will be the finance lead for a standalone entity — the person responsible for the monthly management reporting pack, the CFO-level executive commentary, the IFRS 9 Expected Credit Loss model, the lender and treasury compliance, and the unit economics that inform commercial decisions across multiple OEM brands.

You'll manage the end-to-end monthly close: accruals, prepayments, intercompany, depreciation, FX. You'll produce the variance analysis that isolates brand-mix effects from one-off items. You'll monitor the loan book, analyse repayment behaviour by cohort, and own provisioning and bad debt trends. You'll lead lender reporting and covenant compliance, manage drawdown documentation, and support due diligence processes.

And then — because this is Mobility — you'll also be a commercial partner. You'll sit alongside the commercial team to interrogate OEM economics, model new product launches, assess new supply agreements, and build the financial cases for board presentations and grant proposals. This is not a role where the strategy happens upstairs and the finance team keeps score. You'll shape both.

What makes it different Most finance roles at this level have inherited structures, established processes, and reporting cadences that largely run themselves. This one doesn't. The tools, the workbooks, the ways of working — these are yours to design. You'll identify automation opportunities, build controls from scratch, and ensure IFRS compliance in areas where judgement genuinely matters: IFRS 9, IFRS 16, IAS 21, revenue recognition, IFRS 18 readiness. You'll also have direct exposure to development finance and climate finance — two fast-growing fields where M-KOPA's electric mobility business sits at an increasingly interesting intersection. Lender relationships here aren't purely commercial. They span impact investors, development finance institutions, and climate finance structures. That's a professional education you can't buy.

## What you bring

- Qualified Chartered Accountant (CPA(K), ACCA, CA or equivalent), with a demonstrable track record in finance management or a senior finance role, including hands-on ownership of statutory and management reporting cycles.
- Deep, applied IFRS knowledge — particularly IFRS 9, IFRS 16, IAS 21, and revenue recognition — and proven ability to manage audit processes end-to-end, from file preparation to auditor queries.
- Exceptional financial modelling and communication skills: you can build a complex multi-scenario model in Excel and present its conclusions clearly to a CFO or a lender in the same week.

Big 4 training (PwC, Deloitte, EY, KPMG) is a strong advantage. Working knowledge of the East African electric mobility sector is a plus, though not required — curiosity and commercial instincts matter more.

The reality check

This role will ask a lot of you. The entity is scaling fast, the reporting obligations are real, and the lender relationships require precision. There will be months where the close feels tight and the audit feels relentless. You'll be operating across strategic and operational levels simultaneously — and some days the most important thing on your plate will be debugging an ECL model, not presenting to the board. If that sounds manageable, it probably is. If it sounds energising — you're probably the right person.

## What you'll find here

A front-row seat in building the financial infrastructure of Africa's largest electric vehicle financing business. Direct exposure to development finance, climate finance, and carbon credit structuring. A mission where every bike financed is a tangible improvement in a rider's daily economics and a reduction in regional emissions. And genuine ownership — the kind where your judgement shapes how this entity reports, controls, and makes decisions, not just maintains them.

Ready to build something that's never existed before? 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-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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