Career Opportunities at M-KOPA Solar

Job Purpose:

You will lead the M-KOPA’s Internal Audit department to examine and evaluate the adequacy and effectiveness of the organization's governance, risk management, and internal controls as well as the quality of performance in carrying out assigned responsibilities to achieve the organization’s stated goals and objectives. You will also lead and be responsible for carrying out internal investigations in the organization.

The Head of Internal Audit will report to the General Counsel and Chief Risk & Compliance Officer. This position also reports to the Board Audit Chairperson.

To achieve this you'll be expected to:

• Producing and executing an Internal Audit work plan that is carried out on a risk-weighted basis
• Performing Internal Audits within agreed SLA times, producing detailed audit reports, and monitoring implementation of audit recommendations
• Evaluating and providing assurance on the Company’s risk exposure relating to the achievement of the organization’s strategic objectives. Providing assurance on the reliability and integrity of information and the means used to identify, measure, classify, and report such information.
• Evaluating and providing assurance on the systems established to ensure compliance with those policies, plans, procedures, laws, and regulations that could have a significant impact on the organization.
• Evaluating and providing assurance on the means of safeguarding assets and, as appropriate, verifying the existence of such assets.
• Evaluating and providing assurance on the effectiveness and efficiency with which resources are employed.
• Evaluating and providing assurance on operations or programs to ascertain whether results are consistent with established objectives and goals and whether the operations or programs are being carried out as planned.
• Evaluating and providing assurance on and evaluating governance processes.
• Evaluating and providing assurance on the effectiveness of the organization's risk management processes.
• Evaluating the quality of performance of external auditors and the degree of coordination with internal audit.
• Reporting periodically on the internal audit activity’s purpose, authority, responsibility, and performance relative to its plan.
• Reporting significant risk exposures and control issues, including fraud risks, governance issues, and other matters needed or requested by the Board.
• Evaluating specific operations at the request of the Board or management, as appropriate.
• Perform any other job-related duties as assigned by the supervisor.

Experience/Education/Skills Requirement:
Education

• Degree in Business related field, IT, Business Information Systems (or related technical/ business field) from a recognized university.
• Holder of Certified Internal Auditor/Certified Public Accountant/Certified Information Systems Auditor designation is a must.
• A Master's degree is an added advantage.
• Other qualifications e.g. CISM, C-RISK is an added advantage.

Experience

• Minimum of 12 years of audit, risk, and compliance experience within an established external audit, internal audit, and/or enterprise risk management function at an external audit firm, financial services company, or other reputable businesses.
• Managing an Audit department across multiple jurisdictions.

Skills

• Excellent knowledge of internal audit execution of both business process functions as well as technology functions.
• Excellent knowledge of cyber security audits.
• Excellent knowledge of risk management.
• Collaboration and stakeholder management.
• A history of leading teams in successfully delivering engagements, either from an internal audit, strategy, or external advisory capacity.
• Well-versed in the knowledge of IT control frameworks.
• PCAOB experience and SOX knowledge.
• Experience in the use of modern audit execution and management software.
• Ability to maintain the highest levels of integrity and objectivity.

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Job Purpose:

• The position is comparable to that of an analytical project manager and involves using technical data analytics, economic and behavioral research, qualitative observations, credit experience, and qualitative observations to address important problems about the credit portfolio of M-KOPA.
• As a Senior Manager - credit you will be required to lead analysis, management, and communication on the portfolio, clients, and goods and services of the company's credit performance. This involves organizing the analysis of data from multiple sources, planning experiments, testing hypotheses, and putting together presentations and reports that are used by both internal and external stakeholders. The role's goal is to offer insights that can be put to use in understanding and influencing consumer credit behavior.

Key Job Functions:

• Evaluate whether Business proposals meet sound business criteria and credit risk falls within acceptable parameters, approve and recommend appropriate credit facilities including terms or conditions of facilities.
• Identify, quantify, and evaluate credit risks in relation to profitability of business proposals and the financial viability of Business banking credits.
• Provide quality analysis (typically provided via SQL, R, Python, Excel, and BI visualization tools) to inform management on the credit performance of the portfolio, products, and customers. This includes regular portfolio and product-level reporting as well as managing ad-hoc investigations and causal diagnoses.
• Design and implement initiatives and experiments geared towards improving and maintaining healthy credit performance across M-KOPA’s customer base. This includes working extensively with other departments.
• Contribute to the development of credit and financial models to be used by the business, including but not limited to IRSR 9 provisioning and bad debt modeling, cash flow modeling, and predictive loss rate models
• Build relationships with key stakeholders to improve the quality of business proposals and turnaround time on pricing and or product launch.
• Lead the development of reports to key stakeholders including senior management, country leadership teams, and investors, utilizing graphical analysis, PowerPoint presentations, and verbal and written communications.
• Monitor and report on key performance metrics on M-KOPA’s core products and pilots, including standard and non-standard forms of portfolio health and delinquency reporting, repayment rates, roll rates, etc.
• Keep abreast of industry-specific knowledge and key development – stay attuned to industry and market risk development and trends in relation to customers and impact on underlying portfolios

Experience/Education/Skills Requirements:

• 6-10 years of work experience in an analytical field such as consumer credit, asset finance, pricing, data science, behavioral research, or strategy consulting, including experience managing teams, portfolios, and projects
• Credit, data, and financial analysis skills to effectively evaluate and report on key performance metrics
• Knowledge of lending business practices and consumer credit in emerging markets strongly preferred.
• Strong interpersonal and presentation skills to effectively communicate with colleagues and senior stakeholders
• Understanding of business concepts including ROI analysis, discounted cash flow, causality, & statistical significance
• Bachelor or Master's degree preferably in a quantitative field, including economics, econometrics, data analytics, computer science, statistics, engineering, credit management, finance, or behavioral psychology
• Proficiency in structuring analytical projects and familiarity with tools including SQL, R!, Python, PowerBI, Excel, PowerPoint, and Word, as well as a clear understanding of statistics and quantitative methods and best practices

You might be a good fit if:

• You enjoy working in a fast-paced environment.
• You are strategic in your leadership and planning.
• You thrive in building and sailing in a collaborative environment.
• You have experience in coaching and performance management.
• You are an agent of change.

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The role

• We are looking for very Senior Backend Engineers as we continue to expand our Acquisition Sales Product Group. Working on applications related to our Sales and onboarding, this is where we build our Know-your-customer (KYC) checks, and manage our 10'000 plus Sales Agents that use our internal CRMs. 
• Wider teams include, Repayment for they are responsible for providing our customers the best possible experience of the financial services we offer.
• Retention, who look after our repeat business and Portfolio management that looks at the tools and software we use to measure our business. 

Collaboration

• As an engineer in the group you will work as a collaborator, more senior members will coach and contribute placing an emphasis on high quality output observability and monitoring as well as automated testing in all environments, including production. Our teams use infrastructure as code demonstrating the unique nature of some of our work. Our Engineers are empowered to choose how to implement software (within high-level architectural constraints) to meet the needs of our customers.
• We have a data-driven approach to the incremental improvements of our products and a focus towards excellence.
• We foster autonomy inside the teams, while keeping some standards across the company. We use predominantly C# written against the latest .NET stack, and favour microservices hosted on Azure using Kubernetes for all new implementations. We are constantly iterating towards a completely decoupled, event driven architecture across our entire software portfolio. 

Remote

• Our roles are fully remote, within the following time zone (UTC -1 / UTC+3). Our engineers work remotely from locations such as UK, Europe and Africa. 
• We have a mix of legacy services and greenfield microservices, so if you love the challenge of improving a legacy codebase while working on new projects, and if working remotely full time appeals, this might be a job for you.
• Our expectations are that you would be comfortable working as part of a team which owns the entire software stack, including the supporting infrastructure, throughout the entire software lifecycle from inception, through production and right the way to decommissioning under a DevOps culture. 
• If you also value the constraints that continuous delivery places upon engineering processes and embrace testing and observability as first order concerns in the development of software, you probably have what it takes to join one of the teams and help shape our future. 
• We are looking for strong experience with C#.NET, Event Driven Systems, microservices, testing and Deployment.