The Head of Finance's purpose is to make sure M-KOPA Mobility is resourced to grow, translate capital into vehicle and operations at speed and efficiency, and provide leadership and investors a view of business performance they can trust and act on.

You will achieve this purpose by leading finance for M-KOPA Mobility: supporting fundraising strategy and execution, owning the business plan and budget, producing clear reporting that lets leadership understand and improve business performance, and running Mobility’s treasury and procurement execution within the Group framework.

Mobility is a fast-growing, early stage business unit within M-KOPA’s wider Group. It operates autonomously with the agility needed to act on an early stage and dynamic market opportunity. It draws on Group Finance for its accounting backbone, follows Group finance policies and controls, and it held to Big 4 audit standards

Key Responsibilities:

Capital strategy & fundraising:

• Own the Mobility financial model, maintaining its structure, assumptions and outputs so it is the single source of truth for planning, capital raising and decision-making
• Work with the Managing Director to shape Mobility's capital strategy, including capital structure options, sequencing of raises, and funding sources
• Lead finance data collection and preparation for due diligence, working with Group Finance so requests are answered accurately and on time
• Prepare and present portfolio analysis and performance to investors and lenders

Financial reporting:

• Work with the M-KOPA Group finance team to review and interrogate management accounts and the monthly close for Mobility, ensuring accuracy and clarity
• Lead monthly business performance reviews, helping M-KOPA leadership to understand business performance, key drivers, and prioritize improvement opportunities
• Work with the Head of Portfolio to reconcile credit loss and recovery numbers across portfolio metrics and accounting views, so priced and reported risk agree
• Prepare the financial content of the board reporting pack, and keep business unit and Group reporting consistent
• Oversee statutory and tax filings delivered through the Group finance backend, and ensure Mobility's controls and records meet Group policy and Big 4 audit standards

Financial planning & analysis:

• Own the annual business plan, budget, and financial targets for Mobility
• Build the finance systems for the business unit, including reporting and insights that give leadership a clear, timely view of commercial and financial performance
• Represent Finance in decisions on pricing, retention economics and new investment cases, bringing the unit economics behind each

Treasury execution:

• Oversee funding and payment execution inside the Group delegation framework
• Forecast Mobility's cash and funding needs, and work with Group Treasury on the capital Mobility draws for growth and working capital

Procurement:

• Manage the Mobility procurement team, setting purchasing policy and approval limits for the division
• Ensure Group procurement policies are strictly adhered to while enabling Mobility's rapid growth with speed and cost-efficiency

This is a central role serving all Mobility markets, a member of the Mobility Leadership Team, and the first point of contact for Finance matters raised by the Managing Director, the General Manager and the Head of Portfolio.

Experience

• 10+ years in finance, including senior roles in a fast-growing, capital-intensive or lending business
• Raising debt or equity, from building the model and materials through due diligence to close
• Owning a business plan and budget, and holding reported numbers to it with leadership and investors
• Running reporting that meets Group policy and audit standards, ideally within a multi-entity group
• Working with credit or risk teams to reconcile priced risk against actual portfolio performance
• Leading teams and holding a seat at the leadership table, influencing decisions beyond their own function

Org Structure

Position reports to (title):

Managing Director, Mobility

Reports of the position may include (titles):

• Procurement Lead
• Finance Manager (from Group, covering internal finance)
• Financial planning and analysis roles

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.

• Own the Mobility financial model as the single source of truth for planning, capital raising and decision-making.
• Shape Mobility's capital strategy, including capital structure options, sequencing of raises, and funding sources.
• Lead finance data collection and preparation for due diligence; prepare and present portfolio analysis and performance to investors and lenders.
• Review and interrogate management accounts and the monthly close for Mobility, ensuring accuracy and clarity.
• Lead monthly business performance reviews and help leadership understand performance, key drivers, and improvement opportunities.
• Reconcile credit loss and recovery numbers across portfolio metrics and accounting views.
• Prepare the financial content of the board reporting pack and keep business unit and Group reporting consistent.
• Oversee statutory and tax filings and ensure controls and records meet Group policy and Big 4 audit standards.
• Own the annual business plan, budget, and financial targets for Mobility.
• Build finance systems, reporting and insights for commercial and financial performance.
• Represent Finance in decisions on pricing, retention economics and new investment cases.
• Oversee funding and payment execution; forecast cash and funding needs and coordinate with Group Treasury.
• Manage the Mobility procurement team, set purchasing policy and approval limits, and ensure Group procurement policies are followed.

• Financial modelling
• Debt and equity fundraising
• Capital strategy and fundraising execution
• Financial reporting and management accounts
• Financial planning and analysis
• Budgeting and business planning
• Portfolio analysis and investor presentations
• Treasury and cash flow forecasting
• Credit risk and portfolio performance reconciliation
• Procurement management
• Team leadership and cross-functional influence

• 10+ years in finance, including senior roles in a fast-growing, capital-intensive or lending business.
• Experience raising debt or equity, from building the model and materials through due diligence to close.
• Experience owning a business plan and budget, and holding reported numbers to it with leadership and investors.
• Experience running reporting that meets Group policy and audit standards, ideally within a multi-entity group.
• Experience working with credit or risk teams to reconcile priced risk against actual portfolio performance.
• Experience leading teams and influencing decisions beyond their own function.