Leading our Commercial Finance function, you will drive comprehensive financial strategy, oversee Financial Planning and Analysis, business partnering, and special projects while providing critical financial insights that influence key business decisions and support our growth trajectory.
You will be a strategic partner to the executive team, combining analytical expertise with commercial acumen to optimize profitability and long-term business value.
About UsAt M-KOPA, we are transforming lives through innovative financial solutions and digital inclusion. As our Director of Commercial Finance, you will lead strategic financial planning and analysis that directly impacts our ability to serve underbanked populations across Africa. You will oversee pricing strategies that balance profitability with our mission to make life-changing products affordable and accessible.
We operate in a dynamic, high-growth environment where your financial expertise will drive critical business decisions. You will manage complex financial models, lead profitability analysis across business units, and develop strategies to optimize working capital while managing credit risk. Your insights will directly influence our expansion strategies and help us create sustainable impact at scale.
If you are passionate about using financial expertise to drive social impact and enjoy working in a fast-paced, mission-driven environment where your strategic insights directly influence business growth, this might be the perfect role for you.
This is a hybrid role, you will be partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa.
You will be reporting to the Chief Finance Officer.
ExpertiseOur expectations are that you would be comfortable providing strategic financial leadership and actionable insights that drive business performance and profitability. You should have excellent financial modeling skills and the ability to translate complex financial data into clear recommendations for executive decision-making.
If you value collaboration, can lead cross-functional initiatives, and are experienced in building high-performing finance teams, you probably have what it takes to join our team and shape our future.
We are looking for candidates with 8-10 years of progressive finance experience, relevant professional qualifications (CA(SA), CFA, or CIMA), and expertise in pricing strategy, profitability analysis, and credit risk management.
Your experience should include business partnering with senior leadership, driving financial transformation initiatives, and leveraging technology to enhance financial processes. Strong commercial acumen and the ability to balance short-term financial objectives with long-term strategic goals are essential in this role.
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.
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.
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What We Do
M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphones and digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa and Uganda, the company has extended over $1.5 billion in credit to more than 5 million customers. Using an innovative financing model based on daily repayments, M-KOPA provides affordable smartphones embedded with financial services that fit with the cash flow of millions of underserved individuals who earn their income on a daily basis. By leveraging rich payments data and proprietary AI-driven analytics, M-KOPA builds a credit record for each customer which forms the foundation for a long-term financial relationship for digital loans, affordable data subscriptions and insurance. The company employs over 3,000 staff and 30,000 sales agents across its African markets. M-KOPA has been recognised by the Financial Times as one of Africa’s Fastest Growing Companies for the past 3 years, and by Time Magazine as one of the 100 Most Influential Companies globally for the past 2 years.
