Internal Audit Senior

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 Senior to join our Legal group as we scale up and drive digital and financial inclusion across our markets.

Job Purpose

You've built a career finding what's broken in other people's businesses. What if the business was one that's just crossed 10 million customers and unlocked $2 billion in credit — 86% of whom say it's genuinely improved their lives?

That's M-KOPA today, and we're building the internal audit function to match a business growing faster than most auditors get to see up close. This isn't a "keep the lights on" audit role — you'd lead engagements end-to-end across five markets, reporting to the Head of Internal Audit & Risk, at a point where the function is shifting from keeping pace to setting the standard.

What you'd own: Leading audits from planning through fieldwork, reporting, and follow-up to IIA standards, with the independence to manage your own timelines and evidence quality. Digging past symptoms to root cause, sizing risk honestly, and writing recommendations people can actually act on. Presenting findings directly to process owners and management — and holding your ground when it counts. Feeding into the annual risk-based audit plan, and mentoring junior auditors as the function matures.

The honest part: this means independent operation across markets and cultures, real travel, and scrutiny that comes from defending your conclusions to people who'd rather you were wrong. If that's energizing rather than exhausting, keep reading.

Organisation Structure

Reports to Head of Internal Audit & Risk

What you bring: A business, IT, or Business Information Systems degree plus CIA, CISA, or ACCA/CPA certification. Extensive progressive audit experience including time at a Big Four or equivalent top-tier firm — this is a hard requirement, not a preference. A demonstrated track record leading audits independently, ideally spanning both business process and technology engagements.

Every finding you make here protects something specific — a first loan, a first insurance cover, a first real shot at formal credit for someone who's never had one.avel.

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.