Retail Team Lead (Western Cape)

M-KOPA

RETAIL TRAINING & QUALITY ASSURANCE LEAD — WESTERN CAPE You know the difference between training that ticks a box and training that actually changes how someone works. You've seen what happens when a team gets genuinely upskilled — the customer interactions improve, the compliance scores move, the performance data tells a different story. And you've probably sat with frustrating quality audit results and thought: this is fixable, if we approach it differently. That instinct — the one that connects learning design to real operational outcomes — is exactly what M-KOPA is looking for. We're hiring a Retail Training and Quality Assurance Lead in South Africa to shape the capability and quality standards of our retail function — designing and delivering training for Stock Controllers and retail teams, leading quality audits across our operations, and using data to drive the kind of continuous improvement that shows up in customer experience and team performance alike. What M-KOPA is building We've served more than 7 million customers across Africa, unlocking over $2 billion in credit. 55% of those customers are accessing formal financial services for the very first time. 86% report a meaningful improvement in their quality of life. We're growing toward 10 million — and our retail network is growing with us. As our footprint expands, the capability of the people inside it, and the quality of the experience they deliver, becomes more important than ever. This role is where that standard is set and sustained. Why this role is different Training and QA often sit in separate functions, and rarely talk to each other the way they should. In this role, they're unified — which means the insights from your quality audits directly inform your training design, and the effectiveness of your training is visible in your QA data. That closed loop is what makes this role genuinely powerful, and it's what separates it from a standard L&D or compliance function. What the work actually looks like On the training side, you'll design and deliver comprehensive learning experiences for Stock Controllers and retail teams — spanning product expertise, system proficiency, customer handling, and the soft skills that make the difference between a technically capable employee and an exceptional one. You'll use a blend of classroom facilitation and digital learning through M-KOPA Academy, our proprietary learning platform. You'll build assessment frameworks, conduct monthly evaluations, track progress, and analyse performance data to identify where competency gaps are opening up and close them with targeted interventions — before they show up in the customer experience. On the quality side, you'll conduct strategic quality audits across retail operations and processes — evaluating adherence to service standards, compliance requirements, and brand excellence, with particular focus on Freshdesk platform usage. You'll produce detailed audit reports with actionable insights that drive systemic improvements across the network. You'll run mystery shopping evaluations to assess the real customer journey, not just the reported one, and use those findings to influence how service standards evolve. The analytics thread runs through both — you'll analyse retail performance metrics, measure training effectiveness, monitor data protection standards and documentation practices, and apply what the data tells you to keep the improvement cycle moving. You'll also oversee adherence to industry regulations, company policies, and financial services requirements across all retail locations. What makes you ready for this * Demonstrable experience in a training or quality assurance role within retail or customer service environments — with a proven track record designing and delivering effective learning programmes, building assessment frameworks, and using performance data to drive measurable capability improvements * Proficiency in CRM systems, Learning Management Systems, and Microsoft Office Suite — alongside the analytical capability to interpret performance and quality data, identify patterns, and translate insights into targeted training solutions and audit recommendations * Strong facilitation, communication, and coaching skills — with the ability to build credibility across retail teams, present audit findings constructively to stakeholders, and lead quality and learning initiatives that create lasting behavioural change The reality check This role requires both creative and analytical thinking, often in the same week. You'll be designing a training module on Monday, conducting a quality audit on Wednesday, and presenting performance analytics to the Retail Operations Manager on Friday. The dual remit is the point — but it does demand the organisational discipline and attention to detail to hold both to a high standard simultaneously. If you take personal pride in the quality of what you produce and you're energised by seeing data translate into better outcomes for people — this will suit you well. Why M-KOPA, and why now Most training roles in retail ask you to deliver a curriculum that someone else designed, to a standard that someone else defined. This role asks you to build both — and to connect them directly to how a business grows and how its customers are served. When your training improves how a Stock Controller handles an inventory discrepancy, or your quality audit insight reshapes a service centre process, the downstream effect reaches customers who are accessing financial services for the very first time. That's not a typical L&D mandate. If you're ready for one that isn't — let's talk. 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

IN-STORE PROMOTER MANAGER / FIELD SALES MANAGER | M-KOPA | WESTERN CAPE You've built retail teams that hit targets. You've developed people who went on to outperform expectations. By most measures, you're doing well — respected by your team, trusted by leadership, delivering results that look good on paper. But when was the last time your team's work changed someone's entire economic trajectory? That's not a rhetorical flourish. It's the actual question that separates this role from most others you'd be weighing up right now. What M-KOPA is, and why it matters here M-KOPA has just crossed 7 million customers across Africa — up from 5 million not long ago — unlocking $2 billion in credit for people who couldn't access traditional financing. 86% of those customers report a meaningful improvement in their quality of life. 70% use our products to generate income. 55% are accessing digital financial services for the very first time. We're a certified B Corporation with 2,300+ employees, 35,000 agents, and proven operations spanning South Africa, Ghana, Uganda, and beyond. We've assembled 2 million smartphones in Kenya. We've financed over 4,000 e-motorbikes, saving riders $5.62 every single day. And we're moving deliberately toward 10 million customers. Retail is where that journey becomes real for most customers — and this role sits right at the centre of it. Why this role exists now If you've seen M-KOPA advertising multiple roles recently, that's not coincidence. The infrastructure that got us from 5 million to 7 million customers is not the infrastructure that gets us to 10 million. We're systematically building the leadership layer for our next growth phase — and this role is a deliberate part of that. In-store is where financial inclusion stops being a strategy and becomes a human moment. The person standing at the point of sale, helping a first-time customer understand what financing they can access — that's your team. Building the systems that make that moment simple, dignified, and repeatable across Johannesburg and Cape Town is the work. What makes this different Here's the honest contrast. In most retail management roles, you optimise existing processes, manage to KPIs that others have set, and measure your success in revenue. That's not a criticism — it's just what most roles are. This one isn't. Here, you'll build the playbook for how financial inclusion happens in retail across Africa. You'll shape regional strategy directly, not inherit someone else's. You'll partner with major retailers as an equal — not as a vendor chasing shelf space. And you'll measure success in growth targets and lives changed simultaneously, because at M-KOPA those two things are the same metric. Every customer your team converts isn't just a sale. It's someone gaining access to digital banking, education, remote work opportunities, and economic mobility they didn't have before. That context changes how your team shows up — and it changes how you lead them. What you'll actually be doing Day to day, this role moves across several dimensions at once. You'll lead and develop brand ambassador teams across two major metros, building the coaching systems and performance structures that make consistent execution possible. You'll analyse data to identify what's working and systematise it — turning field insights into strategy, not just reports. You'll manage relationships with major retail partners, ensuring in-store experiences reflect both brand standards and the nuanced customer conversations that financial services require. And you'll build career pathways for promoter talent — because the people doing this work well deserve to grow within it. The scope is broad. The autonomy is real. And the pace is high. What you bring * Extensive progressive experience leading retail or field sales teams, with a demonstrable record of exceeding performance targets while actively developing the people around you. * Proven ability to translate data into actionable strategy — you spot patterns before they show up in aggregated reports, and you turn those insights into decisions that move outcomes. * Established expertise in South African retail partnerships, with deep working knowledge of in-store dynamics, retailer relationships, and what makes a customer experience convert. You're not someone who needs the playbook to already exist. You're someone who writes it, tests it, and refines it — and you've done that before in environments that didn't always give you perfect conditions. The reality check This is demanding work. You'll hold team development, retailer partnerships, performance metrics, and regional strategy in the air simultaneously — and the pace won't slow down to let you catch up. Systems are still being built. Ambiguity is part of the job description. You'll need a high tolerance for change and a genuine appetite for figuring things out without a full map. What you'll get in return: your ideas get tested quickly, your impact is visible at a scale most retail leadership roles never reach, and your trajectory is tied directly to a business growing from 7 million toward 10 million customers. You'll work alongside people from 20+ nationalities solving problems that don't have obvious answers yet. If that sounds like exactly the kind of challenge you've been ready for, you're probably the person we're looking for. Ready to build the playbook for financial inclusion in retail? If you weren't actively looking but find yourself thinking this is different enough to explore — that's the signal. Let's have the conversation. 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

RETAIL AUDIT LEAD — M-KOPA WESTERN CAPE You're the person who walks into a retail location and sees what everyone else misses. The variance that doesn't quite add up. The process that's being followed in spirit but not in practice. The risk that hasn't surfaced yet — but will. You don't just find these things. You build the systems that make sure they get found consistently, by design, not by accident. If that's how you think about audit work, M-KOPA has a role that's been waiting for someone like you. We're hiring a Retail Audit Lead in South Africa — a role that goes well beyond compliance checking. You'll design and own the audit framework that protects the integrity of M-KOPA's retail network, drives accountability across locations, and generates the kind of data-driven insight that informs decisions at the highest level of the business. What M-KOPA is building We've served more than 7 million customers across Africa, unlocking over $2 billion in credit. 55% of those customers are accessing formal financial services for the very first time. 86% report a meaningful improvement in their quality of life. We're growing toward 10 million — which means our retail footprint is expanding, our operational complexity is increasing, and the systems that protect our assets and our customers need to be built to keep pace. This role is part of how that happens. Why this role is different Most audit roles ask you to apply a framework someone else designed. This one asks you to build it. You'll establish M-KOPA's comprehensive retail audit system from the ground up — defining evaluation criteria, implementing consistent scoring methodologies, and creating the accountability architecture that keeps every retail location operating to standard. That's an unusual level of ownership for an audit function. It's also what makes this role genuinely consequential. What the work actually looks like You'll lead inventory and compliance auditing across M-KOPA's retail outlets — conducting physical counts, reconciling variances, and working with analysts and stock controllers to investigate discrepancies and close them properly. You'll perform comprehensive compliance checks covering branding standards, health and safety protocols, record-keeping accuracy, and adherence to M-KOPA's operational processes — scoring locations objectively using established criteria and providing structured feedback that drives real improvement. On the analytics side, you'll prepare detailed audit reports with findings, recommendations, and corrective action plans for management review. You'll analyse stock audit results and operational data to identify patterns, surface risks, and generate the insights that inform strategic decisions across the retail network. This isn't reporting for reporting's sake — the findings you produce will directly shape how M-KOPA manages risk, allocates resources, and develops its retail operations. Fraud prevention is a meaningful part of the scope too. You'll identify and escalate suspicious activity discovered during audit activity, implement controls that reduce operational risk, and provide field-level support to resolve issues as they arise. In a business that extends credit to millions of customers, the integrity of retail operations isn't just an internal governance matter — it's directly linked to customer outcomes and portfolio health. What makes you ready for this * Proven track record in audit, compliance, or retail operations — with demonstrable expertise in inventory management, variance analysis, and regulatory compliance in a multi-location retail or financial services environment, and professional audit certification (CIA, CISA, or equivalent) a strong advantage * Advanced proficiency in audit software, data analysis tools, and inventory management systems — alongside the analytical capability to identify patterns across complex operational data and translate findings into clear, actionable recommendations for senior stakeholders * Demonstrated experience building or significantly improving audit frameworks, with the communication skills to present complex findings to diverse audiences and the influencing ability to drive compliance and accountability across teams without direct line authority The reality check This role requires independence, precision, and the kind of professional integrity that doesn't bend under operational pressure. You'll be assessing locations objectively — which sometimes means surfacing findings that are uncomfortable for the people responsible for them. You'll need to do that consistently, professionally, and with the credibility that comes from rigorous methodology and clear evidence. If you take personal ownership of the quality of your work and you're energised by the challenge of building something robust from the ground up, this environment will suit you well. Why M-KOPA, and why now Retail audit at most organisations is a control function. At M-KOPA, it's a growth enabler. The retail network you'll audit is the channel through which millions of customers access credit for the first time — and the integrity of that network directly shapes whether those customers are served well. When your audit findings lead to better stock controls, more consistent compliance, or earlier fraud detection, the downstream effect reaches people whose financial lives depend on M-KOPA operating with excellence. That's not a typical audit mandate. If you're ready for one that is — let's talk. 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.