Finance Manager - Nigeria

M-KOPA is a fintech and digital financial services company that provides smartphones and a range of financial products to everyday earners across sub-Saharan Africa, operating in Ghana, Kenya, Nigeria, South Africa, and Uganda. The company uses an asset-financing model that allows customers to make an initial deposit on a smartphone and then pay it off through affordable daily, weekly, or monthly installments, building a credit history in the process. This approach has enabled M-KOPA to serve over 10 million customers and unlock more than $2 billion in credit for individuals who are largely excluded from traditional financial systems. M-KOPA's suite of services extends beyond device ownership to include digital loans, health insurance, device protection, and affordable data bundles, all designed to expand economic opportunity for low-income populations. The company also operates a large network of over 35,000 sales agents, many of whom are themselves beneficiaries of the economic empowerment model M-KOPA promotes. M-KOPA has been recognized among the world's top fintech companies and continues to scale its impact across the African continent. While M-KOPA is primarily categorized as a fintech company, its roots are in the renewable energy and pay-as-you-go solar sector, where it pioneered off-grid solar solutions for underserved communities before expanding into smartphones and broader financial services. This evolution reflects the company's enduring mission to connect underserved populations to transformative technologies and financial tools that improve quality of life and drive sustainable economic inclusion.

Finance Manager — M-KOPA Nigeria

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 financial rigor into a business that's simultaneously scaling, lending, and putting life-changing assets into the hands of millions of customers who've never had access to credit before?

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

M-KOPA Nigeria is a core market for M-KOPA — sub-Saharan Africa's largest asset fintech. We finance smartphones, solar power systems, and other essential assets for customers who pay daily via mobile money, building credit history and unlocking opportunity along the way. Nigeria is one of the fastest-growing and most strategically important markets in M-KOPA's footprint, with a large and expanding customer base and loan book.

Why this matters right now

M-KOPA has crossed 10 million customers, unlocked more than $2 billion in credit, and is on a deliberate path to 10 million more. Nigeria is a critical piece of that next chapter — a market scaling fast, with its own reporting cycle, its own regulatory environment, and its own commercial dynamics. That's not a legacy structure: it's a business being built and refined in real time, with real customers, real repayment behaviour, and real IFRS obligations.

We are hiring a Finance Manager to own the financial management of the Nigeria business — not just to maintain a finance function, but to strengthen and scale one.

What this role actually is

This is a hands-on, high-ownership position. You will be a finance lead for the Nigeria entity — responsible for the monthly management reporting pack, executive commentary, the IFRS 9 Expected Credit Loss model, treasury and compliance matters, and the unit economics that inform commercial decisions across the market.

You'll manage the end-to-end monthly close: accruals, prepayments, intercompany, depreciation, FX. You'll produce variance analysis that isolates market-specific 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 support statutory and regulatory reporting, manage documentation for funding and compliance processes, and support due diligence as needed.

And then — because this is Nigeria — you'll also be a commercial partner. You'll sit alongside the commercial team to interrogate unit economics, model new product launches, assess pricing and supply decisions, and build the financial cases for leadership and board discussions.

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 asks for more ownership than that. You'll identify automation opportunities, strengthen controls, 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 one of Africa's largest and most dynamic fintech markets, working alongside local and regional leadership to navigate a fast-changing regulatory and commercial landscape. That's a professional education you can't buy.

What you bring

• Qualified Chartered Accountant (ICAN, 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 Nigerian fintech, lending, or asset-financing 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 business is scaling fast, the reporting obligations are real, and the market's dynamics 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 a provisioning model, not presenting to leadership.

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 strengthening the financial infrastructure of one of Africa's largest asset fintech businesses, in one of its most important markets. A mission where every asset financed is a tangible improvement in a customer's daily life. 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 matters? 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.

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.