Job Description

We are seeking a Senior Retail Lead to join our dynamic M-KOPA South Africa team as we drive operational excellence and retail footprint optimization across our expanding regional network.

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As the Senior Retail Lead, you will

oversee Retail Regional Leads

while ensuring

operational management excellence

across stock management, customer service, and compliance audits. This role requires

high-level familiarity

with M-KOPA's business processes and the ability to

provide oversight and guidance

to regional teams and field staff across your assigned regions.


You'll

manage comprehensive operational functions

including stock management practices, audit data analysis, training oversight, and performance management while

driving continuous improvement

across all retail touchpoints. Your work will

directly impact customer experience

while ensuring

brand standards

,

compliance excellence

, and

profit optimization

across the regional retail network.


This is a

senior leadership opportunity

with

30-40% field travel

, offering the chance to

shape retail operations

and

drive performance excellence

while building high-performing teams across South Africa's most dynamic retail locations.

About Us

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

accessible through flexible financing

. As our

Senior Retail Lead

, you will play a

critical role in enabling that mission

by

overseeing operational excellence

and

driving performance

across our retail regional network.


You will

manage stock management practices

,

oversee collection and analysis of audit data

, and

conduct monthly wall-to-wall stock counts

while ensuring

compliance with processes, regulations, and management policies

. Your responsibilities span

customer service oversight

,

training management

,

performance management

,

reporting and analysis

, and

retail footprint optimization

through P&L management.


You'll

track key KPIs and metrics

,

carry out quarterly performance reviews

, and

provide regular coaching

to Retail Team Leaders while

supporting implementation of new processes and products

. Your ability to

analyze aged stock and shrinkage

,

identify operational risks

, and

drive improvements

will be essential to success.


This role is designed for a

retail operations leader

who is

analytically strong

,

detail-oriented

, and

passionate about operational excellence

. If you're ready to oversee regional retail operations while building high-performing teams that support financial inclusion across South Africa, this could be your opportunity to lead with impact.

Expertise

We are looking for an

accomplished retail operations professional

with a

Bachelor's degree/Diploma in Business Management, Operations, Retail Management or similar

and

minimum 2 years in a similar role managing regional teams

--ideally with

deep understanding of retail operations

and

financial services regulations

in African markets.


You will bring:

Good knowledge and experience

of M-KOPA business, including

products and processes

, with proven track record in

similar regional management roles

.

Strong leadership and management skills

with

natural ability to influence and drive compliance

across teams while maintaining professional relationships.

Technical proficiency

with

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

written and oral

--with ability to

present complex findings clearly

to diverse stakeholders.

Exceptional organizational skills

with ability to

work to tight deadlines

,

manage overlapping timelines

, and

create task schedules/calendars

.

Strong coaching and people-development skills

through quality feedback, performance management, and team development.

Self-management capabilities

with ability to

take initiative

without being micro-managed and

deal with demanding customers and escalations

.

What We Offer

A

mission-driven environment

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

Senior leadership role

with

direct oversight

of regional retail operations and

30-40% field travel

for hands-on impact.

Comprehensive operational ownership

spanning stock management, training, performance management, and P&L optimization.

Regional influence

with opportunity to

shape retail footprint

and

drive performance excellence

across multiple locations.

Competitive compensation

and a values-driven culture rooted in

innovation, inclusion, and empowerment

.

Professional development opportunities

with a

high-performing team

committed to operational excellence.

If you're ready to

lead regional retail operations

, drive performance excellence, and build high-performing teams that advance M-KOPA's mission across 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.