Sales Executive, Indirect Channel - Central

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 a Sales Executive in Central Region, to join our Sales Team - Indirect Channel as we scale up and drive digital and financial inclusion across our markets.

The Role

Grow and manage the Indirect Channel in your territory, covering dealer shops and community shops. You will report to the Regional Sales Manager and deliver weekly, monthly and quarterly targets while upholding M-KOPA’s brand and retail standards in every shop, including no unofficial customer fees.

About Us

M-KOPA is a pan-African fintech providing asset financing and credit services across Kenya, Uganda, Nigeria, Ghana and South Africa. We serve 10 million customers and have extended over $2 billion in credit, giving people access to products they could not previously finance.

This is a on-site role, you would be working from our offices in Ghana, 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 Regional Sales Manager.

What You'll Do

• Lead and coach Cluster Leaders, holding them accountable for cluster results, and work through them to recruit, train and supervise DSRs

• Recruit and onboard dealer and community shops, and follow each one until its first sale

• Focus coaching on high-potential and slipping shops, and agree recovery plans or recommend exit for inactive ones

• Build strong relationships with key shop owners and retain our best partners against competitor offers

• Design the sales and marketing plan for your territory, including local promotions

• Enforce KYC, duplicate-ID checks and fee rules, and review early repayment signals with Credit and Collections

• Manage DSR inventory, resolve audit recommendations, and report weekly on shop and team performance.

What You'll Need

• A first degree or Higher National Diploma

• At least 3 years of sales experience in Ghana in microfinance, insurance, telecommunications, mobile money, FMCG or similar products or services

• Proven experience leading a multi-level field team, including supervisors or team leaders, and distribution partners such as retailers, agents or dealers

• Excellent sales, negotiation, presentation and communication skills, with the ability to motivate, coach and lead a wide range of people

• Comfort using data and mobile apps to track performance and report

The honest part

This role has real targets every week, month and quarter, and you will be expected to stay calm under pressure. You will manage attrition, resolve conflict between team members, shops and agents, and travel regularly across your territory. Our standard on compliance is zero substantiated fee complaints. If you want growth that is built to last, this is the job.

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.