Finance Manager - Kenya

Role Overview

As the Finance Manager for M-KOPA Kenya, you will lead the financial operations of the Kenya entity, the origin and largest market of M-KOPA's asset fintech business. Your focus will be on embedding financial discipline into a fast-growing, complex business model that delivers life-transforming assets to millions through mobile money-based lending.

Key Responsibilities

• Oversee the entire monthly financial closing process including accruals, prepayments, intercompany transactions, depreciation, and foreign exchange adjustments.
• Prepare comprehensive management reporting packs and executive-level commentary for internal and board review.
• Manage the IFRS 9 Expected Credit Loss (ECL) model to ensure accurate provisioning.
• Analyze loan book performance and repayment patterns by customer cohorts to monitor bad debt and provisioning trends.
• Support statutory and regulatory financial reporting compliance, including documentation management for funding and audit processes.
• Collaborate closely with commercial teams to develop unit economics analysis, financial modelling for new product launches, pricing strategies, and supply decisions.
• Initiate process improvements, automation opportunities, and strengthen internal controls, ensuring compliance with IFRS standards such as IFRS 9, IFRS 16, IAS 21, and revenue recognition.
• Engage directly with local and regional leadership to navigate regulatory and commercial complexities in the Kenyan fintech market.

Candidate Profile

• Qualified Chartered Accountant (CPA(K), ACCA, CA, or equivalent) with proven hands-on experience in finance management, including overseeing statutory and management reporting cycles.
• Strong, applied expertise in IFRS accounting standards, particularly IFRS 9, IFRS 16, IAS 21, and revenue recognition, capable of managing end-to-end audit engagements.
• Proficient financial modelling skills, adept at building multi-scenario Excel models and effectively communicating insights to senior executives and lenders.
• Experience or training in a Big Four accounting firm (PwC, Deloitte, EY, or KPMG) is highly preferred.
• Knowledge of or interest in the Kenyan fintech, lending, or asset financing sector is advantageous but not essential; commercial curiosity and instinct are paramount.

Challenges & Expectations

This demanding role requires managing a rapidly scaling business with rigorous reporting standards and dynamic market conditions. Balancing strategic and operational duties is key, including detailed tasks like provisioning model troubleshooting alongside senior-level presentations.

Why Work at M-KOPA?

You will be at the forefront of building the financial foundation of Africa's leading asset fintech company, directly impacting millions of customers' lives. M-KOPA offers extensive development programs, coaching, family-friendly policies, wellness prioritization, and a flexible work environment. Recognized multiple times by prestigious institutions as a leading fintech innovator, M-KOPA embodies growth, diversity, and impact.

Important Notices

• M-KOPA is committed to equal opportunity and encourages applications from women, minorities, and people with disabilities.
• The company enforces strict policies against forced and child labor, ensuring employment is voluntary and compliant with local laws.
• No fees or charges are solicited at any stage of the recruitment process.
• Pre-employment background checks, including criminal record and employment verification, are standard procedure.
• Applications will be considered on a rolling basis; early closure of the vacancy is possible upon successful selection.