Accounts Payable Clerk — M-KOPA South Africa

You're precise where others are approximate. Let that precision mean something.

You know what good accounts payable looks like — not just technically, but operationally. Invoices processed on time. Creditor reconciliations that reconcile the first time. A month-end close that doesn't require firefighting because the groundwork was laid weeks earlier. You take that seriously, and it shows in how you work.

Most finance teams know what they have in someone like you. The question is whether the organisation around you is doing anything that makes that precision worth bringing.

At M-KOPA, the stakes are unusually real. We've unlocked more than $2 billion in credit for over 7 million customers across Sub-Saharan Africa — people who, in many cases, had never accessed a formal financial product before. Fifty-five percent of our customers are first-time financial services users. Eighty-six percent report a measurable improvement in their quality of life after joining. When M-KOPA's finance operations run cleanly, that growth continues. When they don't, it doesn't. The AP function isn't administrative overhead here — it's infrastructure for a mission with real human consequences.

Why this role, and why now

M-KOPA South Africa is in active growth mode. We're hiring across the business because we're building the operational backbone to support an expanding customer base — part of a deliberate journey from 7 million customers toward 10 million across our markets. In that context, the Finance team needs people who don't just process accurately, but who understand the rhythm of a finance operation: what needs to happen daily, what needs to happen at month-end, and how to prioritise when both demand attention simultaneously.

This is a full-time, in-country role based in South Africa, reporting to the Financial Manager.

What the work actually looks like

Your week is structured around the AP cycle — but "structured" shouldn't be read as "routine." The nature of a growing business means supplier relationships, invoice volumes, and internal approval chains are in motion. You'll be managing the za.invoices mailbox, ensuring no incoming invoice sits unattended, and working across procurement, operations, and departmental stakeholders to push approvals through on time. When a purchase order lands, you'll capture it accurately in Microsoft Dynamics — right cost centre, right account, right period — and flag anything that touches the fixed asset register for correct treatment.

Credit card and PayCentral card reconciliations are yours to own. That means gathering supporting documentation, resolving discrepancies within defined timelines, and getting sign-off from the Financial Manager without chasing or delay.

Month-end is when accuracy compounds. You'll be identifying which invoices require accrual, ensuring employee expense claims are captured in the right period, running the AP ageing report to surface supplier balances that lack documentation, and uploading journals with the completeness the close demands. Monthly bank reconciliations form part of the picture too — discrepancies flagged, not buried.

Beyond the transactional work, you'll be maintaining the creditor reconciliation sheet weekly, supporting DSR commission file uploads, and staying responsive to the finance queries that don't wait for a convenient moment.

The SLA framework is real

M-KOPA runs the AP function to defined service levels: invoice approvals within 24 hours, PO capture in Dynamics within 48 hours, credit card and PayCentral card queries resolved within 24–48 hours. These aren't aspirational targets — they're the operating standard. If you're someone who finds that kind of structure enabling rather than constraining, that's a good sign.

What you bring

• A diploma or degree in Finance, Accounting, or a closely related field, combined with demonstrable experience in an accounts payable or finance administration capacity.

• Practical proficiency in Microsoft Dynamics or a comparable ERP system, with intermediate to advanced Excel capability that you apply regularly, not occasionally.

• A working knowledge of AP processes, supplier management, and reconciliation practice that is genuine — built through doing, not just exposure.

The reality check

AP Clerk roles can sound transactional on paper, but this one operates inside a fast-moving, high-volume finance environment where the SLAs are tracked and the accuracy bar is non-negotiable. You'll be interfacing with internal stakeholders who have different levels of finance literacy, and with vendors who don't always respond on your preferred timeline. Patience and persistence are part of the job. If you're someone who takes genuine pride in a clean ledger and a close that goes smoothly — and who finds meaning in being the person others rely on for that — this is a good fit.

Ready to bring that precision somewhere it genuinely matters? We'd love to talk.

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 f