Finance Business Analyst

Finance Business Analyst — M-KOPA South Africa

You've proven you can turn numbers into decisions. Now turn them into financial access for millions.

You're good at what you do. Budgets close on time, forecasts hold up, and when a business leader needs a straight answer on the numbers, they come to you. That's not nothing — most finance careers stall long before that level of trust is earned.

But here's the question worth sitting with: how much of that trust is spent explaining what already happened, versus shaping what happens next?

At M-KOPA, we're looking for a Finance Business Partner who's ready to spend less time reporting the past and more time building the future — for a business that's scaling access to essential assets across some of the fastest-growing consumer markets in Africa.

Where M-KOPA is right now

M-KOPA has grown to 10 million customers — up from 5 million just a year ago — unlocking over $2 billion in credit for people who'd otherwise been shut out of formal financial services. 86% of our customers report a real improvement in their quality of life, 70% use what they've financed to generate income, and 55% are accessing financial services for the very first time through us. Behind that: 2,300+ employees, 35,000+ agents, $45 million contributed in taxes, 2 million smartphones assembled in Kenya, and 4,000+ e-motorbikes financed — saving riders $5.62 a day.

Why now

If you've noticed M-KOPA advertising for several finance and business roles at once, that's not a coincidence. We're deliberately building out the finance function that will take us from 7 million customers to 10 million — and a Finance Business Partner sits right at the centre of that. This isn't about backfilling a gap. It's about putting the right commercial finance capability in place before we need it, not after.

What makes this different

In a lot of organisations, "business partnering" quietly becomes bookkeeping with better branding — reconciling accounts, chasing accruals, producing packs nobody reads closely. That's not this role. You'll be the person business leaders actually turn to before a decision gets made, not after. You'll build the business cases behind new market and product bets, challenge assumptions in budgets before they become commitments, and have a direct line into how M-KOPA allocates capital across a fast-moving, multi-market business. The numbers you produce won't just describe the business — they'll help decide where it goes next.

What we need from you

• Demonstrable experience building and managing budgets, producing management accounts, and leading planning and forecasting cycles with real commercial rigour.

• Proven ability to build and interrogate financial models — business cases, investment appraisals, scenario analysis — with a sharp eye for what the numbers actually mean.

• A track record of engaging and influencing senior non-finance stakeholders, translating financial complexity into language that drives decisions.

What you'll actually do

Some weeks look like leading a cost centre's quarterly reforecast — sitting with business owners, pressure-testing their assumptions, and turning that into a forecast the leadership team can trust. Others look like building the investment case for a new market expansion, running the NPV and payback numbers, then presenting it to leaders who'll use it to make a real call. You'll be in the room for operational leadership meetings, not just reporting on them afterwards. And when a business leader needs to understand why their cost base moved the way it did, you'll be the one who can explain it — and tell them what to do about it.

The honest bit

This role moves fast, and it asks a lot: you'll be managing multiple cost centres, several planning cycles running in parallel, and stakeholders who expect sharp answers on short notice. It's not a role for someone who wants finance to be predictable. If that sounds more energising than exhausting, you're probably exactly the kind of person who thrives here.

Let's talk

If you're the kind of finance professional who gets restless producing numbers nobody acts on, and you'd rather be embedded in the decisions than removed from them, this is worth a conversation. No pitch deck, no pressure — just a chance to see if this is the redefinition of business partnering you've been waiting for.

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.