You’ll apply on M-KOPA’s own site.
We are looking for a Retail Operations Officer in Benin City to join our Retail group; as we scale up and drive digital and financial inclusion across our markets.
The role
You will run day-to-day retail operations across an assigned state, keeping shops, depots and stock points accurate, compliant and ready to serve customers. You will report to the Regional Retail Team Lead and lead Stock Controllers and Shop Assistants.
About Us
M-KOPA is a pan-African fintech providing asset financing and credit to underserved customers across Kenya, Uganda, Nigeria, Ghana and South Africa. We now serve 10 million customers and have extended $2B+ in credit, backed by 2,300+ employees and 35,000+ field agents. 86% of our customers are satisfied, and 55% are first-time users of formal financial services.
This is a hybrid role, you would be working from our offices in Nigeria, 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 Retail Manager.
What makes this different
Most retail operations roles stop at the shop door. This one follows the device the whole way: from stock point to DSR to customer, and back through repairs when something goes wrong. You will own that full loop, and your numbers show up directly in whether a customer gets their phone, and keeps it working.
What You’ll Do
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Oversee daily operations across retail shops, depots and stock points to keep service smooth and consistent.
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Manage stock reconciliations, replenish understocked SKUs, and keep every active and newly onboarded DSR within approved minimum and maximum stock levels.
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Coordinate aged stock returns, reallocations and lost phone reporting, and make sure reverse logistics procedures are followed.
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Manage phone repair logistics so devices reach repair centres and return to customers within agreed SLAs.
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Lead, coach and train Retail Coordinators, Stock Controllers and Shop Assistants on processes, products, systems and service standards.
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Monitor retail KPIs, run regular shop inspections, drive corrective action, and work with Sales, Supply Chain, Repairs and Customer Service on improvements.
What You’ll Need
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Minimum of 3–5 years of experience in retail operations, logistics, supply chain, inventory management or field operations.
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Minimum of 2 years’ experience in a supervisory or team leadership role.
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Proven experience managing inventory, stock reconciliation, reverse logistics and retail operations across multiple locations.
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Confidence with retail management systems, inventory tools and Microsoft Office, especially Excel.
The honest part
This is a hands-on role. You will be covering multiple locations, chasing stock discrepancies, and handling repair and customer issues as they come up. The days are rarely identical, and the detail matters. If you like seeing the direct result of tidy operations, you will do well here.
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, 2025 and 2026), named on CNBC’s World’s Top Fintech Companies 2025 & 2026 and by TIME100 Most influential companies in the world 2023 and 2024 , we’ve served over 10 million customers, unlocking $2 billion in cumulative credit for the everyday earners across Africa, in addition to over 10,000 e-bikes financed in Kenya.
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.