Internal Audit Manager

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.

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

Your findings reach the Board. Your recommendations reshape risk posture. That is what audit looks like at M-KOPA.

M-KOPA has unlocked more than $2 billion in credit across Kenya, Uganda, Nigeria, Ghana, and South Africa — serving seven million customers, 86% of whom report an improved quality of life, and 55% of whom are accessing a financial product for the first time. We are building toward ten million, and we need an audit function that is genuinely ahead of that growth, not behind it

What this role involves

You will operate at the strategic layer of internal audit, working closely with the Head of Internal Audit & Risk. You will own the risk-based audit plan across five markets, take personal responsibility for high-risk and cross-market engagements end-to-end, and present findings directly to Country Heads, ExCo, and the Board Audit Committee.

This is not a role where your output gets filtered before it reaches leadership. Your risk intelligence will directly inform governance decisions.

Beyond audit execution, you will champion the integration of data analytics, AI tooling, and modern audit platforms into how the function operates — driving efficiency, improving coverage, and building capability within the team through coaching and knowledge transfer.

You will also contribute meaningfully to the Enterprise Risk Management Framework: tracking KRIs, supporting Board-level risk reporting, and participating in cross-functional risk reviews spanning operational, regulatory, and reputational workstreams.

What makes this different

Most senior audit roles offer either scale or agility — rarely both. M-KOPA operates across five regulatory environments with the complexity of a genuine multi-market enterprise and the decision-making speed of a business still in a growth phase. Your judgment carries weight here. The governance infrastructure you help build protects customers who, for many, have their first formal financial product through M-KOPA.

What you bring

CIA, CPA, and/or CISA certification, with a proven track record in internal audit, risk, and compliance across financial services or a similarly regulated environment — demonstrating clear progression from execution into advisory and governance influence.

Deep expertise across both business process and IT audit, with working knowledge of SOX/ICFR frameworks — and established credibility advising senior stakeholders on control design and remediation, not only reporting on findings.

Demonstrable experience applying data analytics, audit management platforms, or AI-enabled tools to strengthen audit coverage and build team capability in these approaches.

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.