We are looking for a Field Auditor - Kumasi/Accra, Ghana to join our Retail team as we scale up and drive digital and financial inclusion across our markets.

As Field Auditor, you will work as the guardian of retail excellence, conducting rigorous audits across our shop network while analysing performance data, investigating variances, and working with teams to embed operational improvements that protect our customers and scale our impact across Ghana.

About Us

At M-KOPA, we've grown to serve 7 million customers across Africa, unlocking $2+ billion in cumulative credit for people who couldn't access financial services before. Our retail shops in Ghana are the last-mile access points where this happens—where customers build trust, where our agents deliver impact, where financial inclusion becomes real.

As we scale from 7 million to 10 million customers, retail excellence is non-negotiable. Every audit you conduct directly protects millions of customer transactions. Every variance you investigate, every fraud signal you catch, every process improvement you identify—these aren't just compliance tasks. They're the infrastructure that enables our customers' financial inclusion. You'll be setting the audit standards for Ghana that become our template as we expand, working with shop teams, warehouse staff, and leadership to ensure operational integrity that matches our mission.

If you believe that systems protect people, and that meticulous attention to detail can drive meaningful impact at scale, this is where your expertise matters most.

This is a (hybrid/on-site) role, you would be working from our offices in Ghana Office, partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa. You will be reporting to the Senior Retail Operations Lead.

Expertise

Our expectations are that you bring extensive progressive experience in stock management, inventory control, or operations auditing. You understand what operational excellence looks like, how to spot inefficiencies and fraud risks, and you're disciplined about compliance not because you're rigid, but because you know systems protect customers.

You're proficient in Excel and skilled at analysing audit data to produce clear, actionable reports that inform decision-making. You're comfortable working independently across multiple shop locations, managing your own schedule, and taking initiative when you identify issues. You communicate clearly with everyone—from shop agents to senior leadership and you're the kind of person who investigates root causes rather than just reporting problems.

If you thrive in roles where accuracy and attention to detail drive real outcomes, where you can see the direct impact of your work on customer protection, and where you're willing to balance rigorous compliance with respect for shop teams under pressure, you probably have what it takes to join us and shape retail excellence at scale.

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.