Jobs at M-KOPA Solar

Your current role: you advise, and others decide. This role: you recommend directly to the Managing Director, the General Manager and the Kenya Leadership Team, and what you recommend changes what we do next. You'll also see the customer behind the number, with regular field visits to the places where these loans are actually repaid.

What you'll bring

• A seasoned, demonstrable record in credit risk and portfolio performance within financial services, ideally in consumer lending or PAYGO in emerging markets, with a clear grasp of how credit outcomes connect to pricing, unit economics and margin.
• Top-tier analytical capability: building models and insights from multi-source data with code-based tools and BI platforms, designing experiments, and turning the results into recommendations senior leaders act on.
• Proven experience leading BI or analytics delivery and directing analysts and managers, with the standing to influence decisions at General Manager and executive level.
• A quantitative degree is preferred, and a postgraduate qualification or a designation such as CFA, ACCA, CPA or FRM is a welcome extra rather than a gate. Beyond the technical, you are someone who can bring Credit, Sales and Finance around a single outcome, who writes analysis an executive reads in full, and who coaches people to focus on results rather than output. Above all, you believe credit performance is the number that matters, and you're comfortable being measured on it.

What your weeks look like

• Diagnosing and steering the portfolio. You run weekly, monthly and quarterly credit reporting, lead the portfolio review with fraud and collections inputs, and go deep when performance slips to find the cause and lead the response. You also represent credit on regulatory matters and lead credit bureau decisions.
• Pricing for growth and margin. You price payment plans so sales can grow while credit stays healthy, test the credit assumptions behind new plans, and forecast how each initiative moves unit economics.
• Building trusted data and a strong team. You own BI delivery for Kenya, set the standards for data quality and metric definitions, partner with data and engineering teams, and coach the team so the business gets numbers it can trust, on time.

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What You'll Do

• Phase 1: Repeat Phones. Take ownership of reactivation and upgrade campaigns in CleverTap, working closely with the Growth Lead there to understand what's driving the pod's numbers and where the next opportunity is. You'll be trusted to make real calls here, not just execute a checklist.
• Phase 2: Cross into Digital Lending. Work directly with the Digital Lending lead, one of our top performers, to understand cash loan growth end to end before taking it on yourself.
• Phase 3: Own Digital Lending. Carry primary responsibility for Digital Lending for a defined period, with the Repeat Phones lead available if you need a second opinion.
• Phase 4: Move into Lifecycle. In the second half of next year, join the Lifecycle pod full-time, reporting to the Lifecycle CRM Lead. You'll bring a year of hands-on conversion experience into a pod that's still being built, real currency for shaping what Lifecycle does next. Throughout all phases, you will:
• Build and run multi-channel campaigns (SMS, WhatsApp, push, in-app) in CleverTap against pod goals
• Track funnel performance and flag drop-off points to the pod lead you're supporting
• Run structured experiments (creative, audience, incentive, or timing) with clear hypotheses
• Turn what works into documented playbooks the next person can pick up
• Keep data quality and campaign tracking clean enough that leadership can trust the numbers

What You Need

• 5+ years in growth, performance, or lifecycle marketing, ideally in fintech, telco, or e-commerce, with real ownership over what a campaign or a pod achieved, not just involvement in it.
• Judgment as much as skill. You can walk into a pod, understand what's working and why, and make calls on where to push, not just follow a brief.
• Genuine appetite for pod leadership. This is a deliberate path toward owning a pod outright, and the breadth here is designed to get you there faster than a single-channel role would.
• Hands-on fluency in CRM platforms like CleverTap, Braze, or similar, and comfortable reading a funnel or cohort without translation.
• Energized, not unsettled, by ambiguity. You'll work across two pods and land in a third decision point by mid-year. If that sounds like an opportunity rather than a risk, you'll thrive here.
• Strong enough presence to build trust quickly with senior leads across two different pods.

Location & Benefits

• Fully remote role within UTC -1 to UTC +3 time zones
• Work with diverse teams across UK, Europe, and Africa
• Professional development programmes and coaching partnerships
• Family-friendly policies and flexible working arrangements
• Well-being support and career growth opportunities