M-KOPA

We are a UK-headquartered fintech company established in 2011, operating in Nigeria, Ghana, Kenya, South Africa, and Uganda. We provide affordable smartphone and e-motorbike financing, along with smartphone-embedded digital financial services. Our financing model uses daily repayments to help customers who earn income daily access our products. We use payments data and proprietary AI-driven analytics to build credit records. This allows customers to access additional services like digital loans, affordable data subscriptions, and insurance. We have extended over $2 billion in credit to more than 7 million customers, connecting over 1.7 million first-time mobile internet users. We employ over 3,000 staff and 30,000 sales agents across our African markets. We also operate one of the largest smartphone assembly factories in the region, producing over 1 million phones locally. The Financial Times has recognized us as one of Africa’s Fastest Growing Companies for four consecutive years, and Time Magazine has named us one of the 100 Most Influential Companies globally twice.

Our mission is to make financing for everyday essentials accessible to everyone. We aim to redefine financial services for millions in Africa who are often overlooked and underserved, many of whom lack formal monthly salaries or access to collateral. We aim to connect the half a billion adults in Africa who are not yet online by combining software, hardware, and distribution. Our core values are: Progress: We pioneer, learn, strive for improvement, embrace different thinking, take risks, and challenge the status quo. Excellence: We execute top priorities with precision and deliver our personal best. Humility: We are a diverse team united by our mission, customer-centric, and work collaboratively without ego. Our customer promise is to be Inclusive, Flexible, and Fair. This means: Inclusive: We don’t require collateral, guarantees, or proof of income for initial product access. Flexible: We offer options for missed payments without steep penalties. Fair: We ensure transparent pricing and allow customers to return products.

We employ over 3,000 staff and 30,000 sales agents across our operations. We are building a path to financial progress for millions of people. Our culture is Purpose Driven. We focus on making a lasting impact and helping millions unlock their potential. We are Customer Focused, dedicated to delivering more for our customers daily. Our team is Collaborative, composed of smart, passionate, and creative people who challenge, inspire, and support one another. We provide Growth Opportunities, with continuous learning and new challenges in a rapidly growing company. Our environment is Diverse & Inclusive, reflecting a global team with a Pan-African footprint that values different perspectives and unique ideas. We are committed to fostering a culture of growth, collaboration, and excellence, where every team member has the opportunity to learn and thrive.

We support our employees with a range of benefits focused on well-being and professional growth. These include flexible working options like hybrid and remote arrangements, and comprehensive health plans for employees and their families. We offer learning and development opportunities, including access to resources, diverse development programs, coaching partnerships, on-the-job training, and mentorship. We recognize employees for their work through ongoing rewards and incentives. Additionally, we provide family-friendly policies, including enhanced parental leave, and emphasize well-being initiatives to support work-life balance.