Senior Growth Marketing Manager - Retention & LTV

Join our expanding Product Growth team!We're actively recruiting Senior Growth Marketing Managers as we continue to scale our growing FinTech division at M-KOPA. You'll architect the growth systems that maximise customer lifetime value and drive retention economics to unlock financial inclusion for millions across Africa.

The Impact 💚

You'll design the retention and up-sell infrastructure that drives measurable customer lifetime value and revenue growth whilst creating financial inclusion for Africa's traditionally excluded. We've already helped over 7 million customers access over $2 billion in credit. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍

The Opportunity

🏗️ Build growth infrastructure, not just campaigns: You'll architect the segmentation frameworks, experimentation roadmaps, and growth operating systems that M-KOPA's Product, Operations, and Commercial teams use to drive activation, retention, and up-sell across 5 African markets. This isn't optimising existing programmes, it's building the system from scratch.

💼 Strategic partner to senior leadership & Product: You'll work directly with our senior leadership on strategy, product roadmap decisions, and commercial performance. Your insights will shape business strategy, not just marketing tactics.

💰 Own customer lifetime value, not just campaign metrics: Your success will be measured in LTV growth, up-sell revenue, retention economics, and payback periods - not open rates or click-throughs.

🚀 Transform CRM from support channel to growth engine: Design the frameworks that move customers from their first smartphone purchase (entry point) to digital loans, health insurance, and bundle services - triggered by payment behaviour.

🌍 Scale what you build across emerging markets: Your frameworks will scale across Kenya, Nigeria, Uganda, Ghana, and South Africa. You'll design once, adapt for local context, and scale to millions - working with one of Africa's richest proprietary datasets and a unique distribution model (30,000+ field agents + 300 telesales + digital).

🏆 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)

🌱 Environmental impact: We're carbon-negative, having displaced over 2.1 million tonnes of emissions

If you're a strategic growth leader who thinks in LTV and retention economics, not just conversion rates, and want to build something that matters whilst accelerating your career in one of the world's fastest-growing tech ecosystems, this is it.

Why You'll Love This Role

• Real autonomy: You'll have the freedom to design experiments, build your own frameworks, and shape how we approach growth across 5 markets

• Direct impact you can see: Your campaigns will directly improve lives - customers will use your up-sell systems to access their first loan, first health insurance, first device upgrade

• Career acceleration: Work at the intersection of product, commercial, and marketing in one of Africa's fastest-growing fintechs

• Build something new: This isn't optimising someone else's playbook - you're creating the growth infrastructure from scratch

What You'll Do

This role blends strategic leadership with hands-on execution. You'll partner with senior leadership and Product teams to shape business strategy, then personally validate your strategies by building campaigns in CRM platforms. You'll design the experiment, build it yourself, influence Product with the insights, and scale what works across 5 markets.

Your mission: transform CRM from a tactical channel into a strategic revenue engine that drives financial inclusion at scale.

Your Core Responsibilities 🚀

• Design and own the growth operating system: Build the segmentation frameworks, experimentation roadmaps, and measurement infrastructure that Product, Operations, and Commercial teams use to drive retention and up-sell across M-KOPA

• Architect behavioural trigger-based up-sell systems: Design the retention and lifecycle programmes that move customers from entry products (smartphones/e-bikes) to high-value bundles (digital loans, health cover, device protection) - unlocking revenue based on payment behaviour and engagement signals

• Validate strategies by building campaigns yourself: Personally build and deploy automated customer journeys in CleverTap/Braze - running hypothesis-driven experiments with control groups, incrementality measurement, and statistical rigour across SMS, WhatsApp, push, and in-app channels

• Influence product and pricing strategy with customer insights: Translate CRM experiments and retention economics into product feature recommendations, pricing changes, and commercial strategy that shapes business decisions

• Scale what works into repeatable playbooks: Turn successful experiments into documented frameworks and systems that enable teams to execute growth initiatives autonomously across 5 markets

Your Environment 💼

Product Growth Tech Stack:

• CRM/Lifecycle Tools: CleverTap, Braze, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud (We use CleverTap, but deep expertise in one or two of these platforms is what matters - you don't need experience with all of them)

• Analytics: GA4, Mixpanel, Amplitude, Looker (or similar)

• Channels: WhatsApp, SMS, push notifications, in-app messaging, telesales, and integrated Direct Sales Agent networks

• Data: Proprietary customer insights spanning millions of transactions across 5 African markets

What You Need..

LTV and business economics mindset

The type of marketer who gets excited about maximising customer lifetime value, not just improving conversion rates. Your achievements are framed in business outcomes - revenue generated, LTV improved, retention economics transformed, payback periods optimised - not just engagement metrics.

Strategic growth leadership with hands-on CRM execution

Built systems and transformed CRM capabilities, not just run campaigns. Whether building CRM from scratch, leading platform migrations, or re-architecting growth infrastructure - you're a builder and transformer. You've personally built complex customer journeys in tools like Braze, CleverTap, MoEngage, Customer.io, Iterable, or Salesforce Marketing Cloud whilst also influencing product and business strategy at senior leadership level.

Behavioural trigger-based up or cross-sell expertise

Designed systems that move customers from entry products to higher-value offerings based on behaviour - payment patterns, engagement signals, product usage. Experience turning customer actions into revenue opportunities through triggered lifecycle programmes.

Rigorous experimentation methodology

Run tests with clear hypotheses, control groups, and statistical rigour. Can explain testing methodology and distinguish meaningful results from noise. Proven track record of test → learn → optimise → scale.

Location & Benefits

• 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

Our Mission 🌍

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 Impact 💚

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 127,700 circular economy products provided

Ready to build growth systems that create real-world financial inclusion while advancing your career in fintech?

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 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.

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.