Job Description

We are seeking a Retail Audit Lead to join our dynamic M-KOPA South Africa team as we establish comprehensive audit frameworks that ensure compliance, optimize performance, and safeguard our assets across all retail locations.

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As the Retail Audit Lead, you will

design and implement comprehensive retail audit systems

while

driving operational excellence

across our retail network. This role is perfect for someone who

thrives on precision

,

embraces analytical challenges

, and is

passionate about operational excellence

in a mission-driven environment.


You'll

establish audit excellence frameworks

,

lead inventory and compliance auditing

, and

drive process optimization

through

data-driven insights

and

advanced analytics

. Your work will

directly contribute to the financial inclusion mission

that transforms millions of lives while ensuring

regulatory compliance

and

fraud prevention

across all M-KOPA retail outlets.


This is a

specialized leadership opportunity

, offering the chance to

build audit excellence from the ground up

and

drive accountability

across our expanding South African retail operations.

About Us

At M-KOPA, we are committed to making everyday essentials

accessible through flexible financing

. As our

Retail Audit Lead

, you will play a

crucial role in enabling that mission

by establishing

robust audit frameworks

that ensure

compliance

,

optimize performance

, and

safeguard our assets

across all retail locations.


You will

design and implement comprehensive retail audit systems

, commencing

systematic auditing of shop performance

across all key retail locations. Your responsibilities span

inventory and compliance auditing

,

process optimization

,

regulatory compliance

,

advanced analytics and reporting

, and

risk and fraud prevention

.


You'll

perform comprehensive inventory audits

and

compliance assessments

,

analyze operational data

to identify improvement opportunities, and

prepare detailed audit reports

with actionable recommendations for management. Your ability to

identify patterns and discrepancies

,

drive compliance across teams

, and

maintain the highest standards of integrity

will be essential to success.


This role is designed for an

audit excellence leader

who is

analytically rigorous

,

detail-oriented

, and

committed to operational integrity

. If you're ready to establish audit frameworks that protect and optimize our retail operations while supporting financial inclusion across South Africa, this could be your opportunity to make a lasting impact.

Expertise

We are looking for an

accomplished audit professional

with a

Bachelor's degree

and

professional audit certifications (CIA, CISA, or equivalent) being highly valued

, plus

minimum 3-5 years in audit, compliance, or retail operations roles

--ideally with

demonstrated expertise in inventory management and regulatory compliance

.


You will bring:

Proven experience

in

audit, compliance, or retail operations

with strong track record of

inventory management

and

regulatory compliance

.

Technical proficiency

with

advanced skills

in

audit software

,

data analysis tools

,

Microsoft Office Suite

, and

inventory management systems

.

Analytical excellence

with

strong problem-solving capabilities

,

exceptional attention to detail

, and ability to

identify patterns and discrepancies

.

Outstanding communication skills

--both

verbal and written

--with ability to

present complex findings clearly

to diverse stakeholders.

Natural leadership qualities

with ability to

influence and drive compliance

across teams while

maintaining professional relationships

.

Deep understanding

of

retail operations

,

financial services regulations

, and

audit best practices in African markets

.

Risk management expertise

with experience in

fraud prevention

and

implementing robust operational controls

.

Process improvement mindset

with ability to

analyze operational data

and

identify optimization opportunities

.

What We Offer

A

mission-driven environment

where your audit excellence directly supports financial inclusion across South Africa.

Specialized leadership role

with opportunity to

build audit frameworks from the ground up

in a high-growth fintech.

Direct impact

on

operational excellence

and

regulatory compliance

across our expanding retail network.

Advanced analytics focus

with access to

cutting-edge tools

and

data-driven decision-making

opportunities.

Competitive compensation

and a values-driven culture rooted in

innovation, inclusion, and empowerment

.

Professional development opportunities

with a

diverse, high-performing team

committed to operational integrity.

If you're ready to

establish audit excellence

, drive compliance across retail operations, and build frameworks that safeguard M-KOPA's mission in South Africa--

we'd love to hear from you

.

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 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 5 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.