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MKM-KOPA is a UK-headquartered fintech company that provides affordable smartphones, solar home systems, and digital financial services to underbanked customers in Africa using a pay-as-you-go model.
Employee count: 1001-5000
The Impact: Your code will directly power mobile technology for millions of people across Africa who've been excluded from traditional financial services. We've already helped over 7 million customers access over $2+ billion in credit, with 2.5 million connecting to the internet for the first time through our smartphones. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍
🎯 Mission-driven engineering: Every feature you build helps expand financial inclusion for underbanked populations
🏆 Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022-2025)
🚀 Scale challenges: Build Android applications serving millions across multiple African markets. This role presents exciting technical challenges as you develop high-performance, offline-first applications optimised for low-end devices in challenging network environments.
🌱 Environmental impact: We're carbon-negative, having displaced over 2.1 million tonnes of emissions
Link to Impact report:M-KOPA Impact Report 2025: Pathways to progress
At M-KOPA, you'll build sophisticated Android applications with real-world impact. Our engineering teams own their solutions end-to-end – from architecture decisions to production monitoring. Join us in combining cutting-edge Android development with purpose-driven engineering that makes digital and financial inclusion possible across Africa.
Modern Android Stack: We use predominantly Kotlin with Jetpack Compose for our UI
Architecture & Patterns: Clean Architecture principles with unidirectional data flow (MVI)
Cloud Integration: Our microservices are hosted on Azure using Kubernetes
Release Cycle: Bi-weekly Android releases with multiple backend deployments daily
DevOps Culture: Azure DevOps for CI/CD with trunk-based development
We work in self-organised, agile teams that:
Focus on raising coding standards and improving application quality
Embrace testing and observability as first-order concerns
Deep dive user journeys using data to implement focused updates
Own the entire software stack throughout the lifecycle under a DevOps culture
We expect you to be comfortable working as part of a team which owns the entire software stack, including supporting infrastructure, throughout the entire software lifecycle - from inception through production to decommissioning under a DevOps culture. You'll value the constraints that continuous delivery places upon engineering processes and embrace testing and observability as first-order concerns in development.
Required Experience:
Solid senior-level expertise with Kotlin and Android app development
Deep knowledge of Clean Architecture and Dependency Injection
Experience with unidirectional data flow (MVI) and Jetpack Compose
Trunk-based development and Feature Toggles expertise
Strong testing practices and DevOps mindset
This is a fully remote role, within the following time zone (UTC -1 / UTC+3). Our engineers work remotely from locations such as UK, Europe and Africa. You will be reporting to a Software Engineering Team Lead.
Fully remote role within UTC -1 to UTC +3 time zones
Work with diverse teams across UK, Europe, and Africa
Professional development programs and coaching partnerships
Family-friendly policies and flexible working arrangements
Well-being support and career growth opportunities
We create financial inclusion for the traditionally excluded through a fair, flexible, customer-centric financing model. We strive to drive greater inclusion of women, youth, and low-income communities.
Our technology has created measurable change:
Connected 📱: 2.5 million first-time mobile internet users connected
Prosperous 💰: 62% of customers use M-KOPA smartphones for income generation, with 35,000+ livelihoods created for agents
Green 🌱: 2.1 million tonnes of CO₂ avoided through clean energy products, with over 127,000 circular economy products provided
Ready to build Android applications that create real-world financial inclusion?
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 6 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.
Full Time
United Kingdom +/- 0 hours, and 4 other timezonesLearn more about M-KOPA and their company culture.
At M-KOPA, we are revolutionizing financial inclusion and connectivity across Africa through groundbreaking technology. Our innovative financing model combines the power of digital micropayments with IoT (Internet-of-Things) connectivity, making essential products and services accessible to millions of underbanked customers. Since our commercial launch in 2012, we have been at the forefront of providing affordable solar home systems, smartphones, and digital financial services. This approach empowers individuals who earn their income on a daily basis, allowing them to acquire life-enhancing assets through flexible, daily repayment plans that match their cash flow. We have built one of the largest proprietary tech and data stacks in Africa, processing over a million payments daily. This robust infrastructure, combined with one of the largest direct sales forces on the continent, enables us to reach customers who have been traditionally overlooked by formal financial institutions.
Our commitment to technological advancement is evident in our continuous efforts to scale up every technology team, from backend engineering to Android solutions. We leverage cutting-edge technologies like C#, .NET framework, Azure-hosted microservices managed with Kubernetes, and AI-driven analytics to build a credit record for each customer. This not only facilitates access to a wider range of products like digital loans and health insurance but also fosters long-term financial relationships. M-KOPA's impact extends beyond individual empowerment; we are contributing to broader economic development by creating jobs, fostering digital inclusion, and even establishing local smartphone assembly facilities. Through our pioneering pay-as-you-go model and relentless focus on innovation, M-KOPA is not just providing products; we are unlocking opportunities and paving the way for financial progress for millions across Africa.
Learn about the tools and technologies that M-KOPA uses to build, market, and sell its products.
Employees can create an account to update this tech stack.
Learn about the employee benefits and perks provided at M-KOPA.
New Employee Referral Scheme.
Best Doctors & Bereavement Counselling.
Women employees can access training opportunities and other benefits such as healthcare, pension, and maternity leave.
Enrolled into NEST scheme after 3 months of employment - 5% employee (inc NI reduction) and 3% Employee (UK employees). They can opt out.
MK1001-5000 employees
2010
Jesse Moore, Nick Hughes
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Portugal onlyEmployee count: 501-1000
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