Legal & Compliance Manager – West Africa

M-KOPA

WE ARE LOOKING FOR A LEGAL & COMPLIANCE MANAGER – WEST AFRICA TO JOIN OUR LEGAL GROUP; AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS. JOB PURPOSE To serve as the primary legal and compliance resource for M-KOPA’s West Africa markets (Nigeria and Ghana), managing the full spectrum of legal, regulatory, and compliance activities across the region, with accountability for legal risk management, regulatory licensing and compliance, and also support the organization’s compliance activities in the countries we operate in. KEY JOB FUNCTIONS * Ensure M-KOPA’s operations are compliant with local and national laws, contractual and shareholder obligations, and best practices. * Serve as the Data Privacy Officer for M-KOPA’s West Africa markets, responsible for monitoring and ensuring compliance with applicable data privacy legislation and best practices supported by the global privacy team. * Support on regulatory licensing and engagement across M-KOPA’s West Africa markets, including the Bank of Ghana and the Central Bank of Nigeria, ORC/GIPC/NCA filings in Ghana and CAC/NCC filings in Nigeria, and proactive monitoring of emerging regulatory developments affecting M-KOPA’s product and operational footprint across the region. * Undertake legal and regulatory research and assess and evaluate the impact of changes in applicable legislation and best international practices. * Coordinate a program of training and capacity building activities for employees across M-KOPA, covering all key areas of compliance policy and practice. * Support the development and implementation of relevant policies, processes, and procedures, and maintain an appropriate review cycle. * Partner with M-KOPA departments such as Legal, Internal Audit, EHS and Risk Management, to assess and ensure effectiveness of control systems in driving compliance. * Identify, understand, and escalate compliance risk events/issues in a timely manner and focus on fixing root causes of the issues. Monitor implementation status of agreed action points aimed towards driving compliance. * Manage the compliance tools such as compliance obligations register, compliance training calendar, compliance incident register and compliance risk register. * Support investor compliance, including implementation of ESMS, and participate in investor reporting on ESG aspects. * Support in regulatory compliance, including the timely preparation and submission of regulatory filings such as annual returns or timely response to regulator circulars * Work flexibly and collaboratively across all teams in the organisation to ensure the greatest impact and effectiveness of the Compliance Team’s day-to-day work * Undertake all other reasonable and related tasks associated with this role. * Draft, review, and negotiate commercial agreements including vendor contracts, service agreements, partnership arrangements, and technology licences; provide practical legal guidance to business teams on contract risk, product and deal structuring as applicable. * Manage corporate governance and secretarial matters for M-KOPA’s West Africa entities (Nigeria and Ghana), including board resolutions, statutory filings, maintenance of corporate records, and ensuring compliance with the Companies Act, 2019 (Act 992) of Ghana, the Companies and Allied Matters Act, 2020 (CAMA) of Nigeria, and applicable regulatory requirements. * Manage the external counsel panel for M-KOPA’s West Africa markets (Nigeria and Ghana), including matter instruction, scope and fee management, quality review of external legal work product, and maintenance of an up-to-date panel roster aligned to M-KOPA’s external counsel management framework.   REPORTING STRUCTURE This role reports to the Head of Department   EXPERIENCE/ SKILLS & COMPETENCIES/ LICENCES & CERTIFICATIONS/ EDUCATION REQUIRED * 5+ years post-call-to-bar working experience in a legal/compliance function. Experience in banking and finance is an added advantage. * Undergraduate LLB degree. * Working knowledge of compliance standards and regulations. * Experience in risk management. * Experience in contract negotiation and regulatory engagement; prior exposure to structured finance or capital markets transactions is an added advantage. * Strong attention to detail. * Communicate and collaborate with diverse team members. * Generally structured and organized. 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) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. 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.

M-KOPA

WE ARE LOOKING FOR A SALES EXECUTIVE TO JOIN OUR SALES TEAM, AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS. This isn't a territory management job dressed up in mission language. As a Sales Executive at M-KOPA Ghana, you'll be the engine behind a field team of Direct Sales Representatives - recruiting them, training them, coaching them, and driving them toward targets that actually mean something. The customers your team reaches aren't switching providers for a better deal. For many of them, this is the first time anyone has offered them credit at all. We're in active expansion mode, moving from 7 million toward 10 million customers. The infrastructure being built right now, the teams, the networks, the local market strategies will define how fast we get there. You'd be joining at exactly the moment when what you build has the most to shape. ABOUT US M-KOPA is a fintech company built on a simple but radical idea that financial inclusion shouldn't be a privilege. Today, we've unlocked over $2 billion in credit for more than 7 million customers across Africa, with 86% reporting an improved quality of life and 55% accessing financial products for the very first time. With 2,300+ employees and 35,000 agents operating across multiple markets, we're not a startup finding its feet — we're a scaled business in the middle of its most ambitious growth phase yet. Ghana is a critical part of that story. This is a hybrid role, you would be working from our offices in Ghana, partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa. You will be reporting to the Regional Manager. What You'll Do * Recruit, train, coach and supervise a field-based team of Direct Sales Representatives, monitoring their performance consistently against M-KOPA's standards while managing DSR inventory and resolving audit recommendations in line with company guidelines. * Design and execute the sales and marketing strategy for your territory, setting the direction for weekly, monthly, and quarterly target achievement while monitoring and analyzing the performance of marketing campaigns. * Deliver and exceed sales targets across your designated territory by developing strong local networks that uphold M-KOPA's brand values and retail point standards. What you'll bring * Demonstrable experience in sales within microfinance, insurance, telecommunications, mobile money, FMCG, or related sectors in Ghana, with a proven track record of hitting and exceeding targets. * Established expertise in recruiting, coaching, and leading field-based sales teams; you know how to get performance from people, not just compliance. * Proven ability to design and execute territory-level sales and marketing strategies that translate into consistent weekly, monthly, and quarterly results. The honest part This role operates in the field, across communities that aren't always easy to reach. The targets are real, the accountability is direct, and the pace reflects a business that's scaling fast. If you're energized by that rather than exhausted by reading it, that's probably worth paying attention to. 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) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. 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.

M-KOPA

WE ARE LOOKING FOR A SALES EXECUTIVE TO JOIN OUR SALES TEAM, AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS. This isn't a territory management job dressed up in mission language. As a Sales Executive at M-KOPA Ghana, you'll be the engine behind a field team of Direct Sales Representatives - recruiting them, training them, coaching them, and driving them toward targets that actually mean something. The customers your team reaches aren't switching providers for a better deal. For many of them, this is the first time anyone has offered them credit at all. We're in active expansion mode, moving from 7 million toward 10 million customers. The infrastructure being built right now, the teams, the networks, the local market strategies will define how fast we get there. You'd be joining at exactly the moment when what you build has the most to shape. ABOUT US M-KOPA is a fintech company built on a simple but radical idea that financial inclusion shouldn't be a privilege. Today, we've unlocked over $2 billion in credit for more than 7 million customers across Africa, with 86% reporting an improved quality of life and 55% accessing financial products for the very first time. With 2,300+ employees and 35,000 agents operating across multiple markets, we're not a startup finding its feet — we're a scaled business in the middle of its most ambitious growth phase yet. Ghana is a critical part of that story. This is a hybrid role, you would be working from our offices in Ghana, partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa. You will be reporting to the Regional Manager. What You'll Do * Recruit, train, coach and supervise a field-based team of Direct Sales Representatives, monitoring their performance consistently against M-KOPA's standards while managing DSR inventory and resolving audit recommendations in line with company guidelines. * Design and execute the sales and marketing strategy for your territory, setting the direction for weekly, monthly, and quarterly target achievement while monitoring and analyzing the performance of marketing campaigns. * Deliver and exceed sales targets across your designated territory by developing strong local networks that uphold M-KOPA's brand values and retail point standards. What you'll bring * Demonstrable experience in sales within microfinance, insurance, telecommunications, mobile money, FMCG, or related sectors in Ghana, with a proven track record of hitting and exceeding targets. * Established expertise in recruiting, coaching, and leading field-based sales teams; you know how to get performance from people, not just compliance. * Proven ability to design and execute territory-level sales and marketing strategies that translate into consistent weekly, monthly, and quarterly results. The honest part This role operates in the field, across communities that aren't always easy to reach. The targets are real, the accountability is direct, and the pace reflects a business that's scaling fast. If you're energized by that rather than exhausted by reading it, that's probably worth paying attention to. 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) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. 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.