Finance Manager – Kenya at M-KOPA

Job Description

What this role actually is

This is a hands-on, high-ownership position. You will be a finance lead for the Kenya entity — responsible for the monthly management reporting pack, executive commentary, the IFRS 9 Expected Credit Loss model, treasury and compliance matters, and the unit economics that inform commercial decisions across the market.

You’ll manage the end-to-end monthly close: accruals, prepayments, intercompany, depreciation, FX. You’ll produce variance analysis that isolates market-specific effects from one-off items. You’ll monitor the loan book, analyse repayment behaviour by cohort, and own provisioning and bad debt trends. You’ll support statutory and regulatory reporting, manage documentation for funding and compliance processes, and support due diligence as needed.

And then — because this is Kenya — you’ll also be a commercial partner. You’ll sit alongside the commercial team to interrogate unit economics, model new product launches, assess pricing and supply decisions, and build the financial cases for leadership and board discussions.

This is not a role where the strategy happens upstairs and the finance team keeps score. You’ll shape both.

What makes it different

• Most finance roles at this level have inherited structures, established processes, and reporting cadences that largely run themselves. This one asks for more ownership than that. You’ll identify automation opportunities, strengthen controls, and ensure IFRS compliance in areas where judgement genuinely matters: IFRS 9, IFRS 16, IAS 21, revenue recognition, IFRS 18 readiness.
• You’ll also have direct exposure to Africa’s most established mobile-money-driven fintech market, working alongside local and regional leadership to navigate a mature but still fast-evolving regulatory and commercial landscape. That’s a professional education you can’t buy.

What you bring

• Qualified Chartered Accountant (CPA(K), ACCA, CA or equivalent), with a demonstrable track record in finance management or a senior finance role, including hands-on ownership of statutory and management reporting cycles.
• Deep, applied IFRS knowledge — particularly IFRS 9, IFRS 16, IAS 21, and revenue recognition — and proven ability to manage audit processes end-to-end, from file preparation to auditor queries.
• Exceptional financial modelling and communication skills: you can build a complex multi-scenario model in Excel and present its conclusions clearly to a CFO or a lender in the same week.
• Big 4 training (PwC, Deloitte, EY, KPMG) is a strong advantage. Working knowledge of the Kenyan fintech, lending, or asset-financing sector is a plus, though not required — curiosity and commercial instincts matter more.