Founders and Management

The M-KOPA team includes founders and senior management from the Vodafone and Safaricom award winning M-PESA service, and a team of Kenyan and international staff with extensive backgrounds in software development, distribution, finance and customer care.


Duncan Willetts


Jesse Moore

Chief Executive Officer and Co-Founder

Jesse moved to Nairobi in 2010 to start M-KOPA and has served as MD/CEO since inception. Prior to M-KOPA, Jesse spent more than 10 years investing in and advising emerging market technology ventures. He holds an MBA from Oxford University (Skoll Scholar) and a BA from UNC Chapel Hill (Morehead Scholar).



Duncan Willetts

Nick Hughes

Chief Product Officer and Co-Founder

Nick leads new product and new market activities for M-KOPA. Until 2009, Nick was Head of Global Payments at Vodafone Group, where he started M-PESA in 2004. Nick has PhD in Applied Science and an MBA from London Business School. He received an Economist Innovation Award in 2010.


Duncan Willetts

Chad Larson

Chief Credit / Financial Officer and Co-Founder

Chad previously served as the CFO of Mecene Investment, the fund manager of the Africap Microfinance Investment Fund in Johannesburg. Chad is a CFA charterholder and has an MBA with distinction from Oxford University, as well as 10 years investment banking experience at Bank of America.


Duncan Willetts

Yesse Oenga

Chief Commercial Officer

Yesse joined M-KOPA in 2016 having previously worked for telecommunications across East Africa and in the DRC, including as MD of Celtel/Zain/Airtel Uganda. He has over 15 years senior management experience in highly performing mobile operators. Yesse has a Bachelor of Arts degree in Economics from Kenyatta University and a Masters in International Business Administration from United States International University.


Duncan Willetts

Pauline Vaughan

Chief Systems Officer

Pauline joined M-KOPA early 2012, Pauline joined M-KOPA early 2012, bringing in rich experience in scaling up mobile innovation. She worked for 10 years at Safaricom, four of which were in the M-PESA Management team. She is Kenya born and passionate about bettering the lives of Kenyans. Pauline has a BSC in Civil Engineering from Cape Town University.


Duncan Willetts

Jason Gregory

Chief Technology Officer

Jason has over 15 years experience building and operating large-scale, complex technology systems and products across public and private sectors. He previously worked as Chief Architect of M-Pesa at Vodafone Group.


Duncan Willetts

Carl Thielk

Chief Operations Officer

Carl has over 20 years experience in Operations and Supply Chain having held various positions in North America, Europe and Asia. Prior to joining M-KOPA, Carl was the Corporate Vice President of Operations at Motorola. He holds a Bachelors and Masters Degree in Mechanical Engineering from the University of Illinois.


Duncan Willetts

Julian ‘Mitch’ Mitchell

Managing Director, M-KOPA Kenya

Mitch joined M-KOPA in 2015 having previously established a Consumer Finance Operation in Kenya. He has over 12 years Operational& Strategic experience with the British Forces. Mitch has a BSc (Hons) from Oxford Brookes University and an MSc from Cranfield University.


Duncan Willetts

Anthony Weremaka

General Manager, M-KOPA Uganda

Anthony joined M-KOPA Uganda in March 2013 having worked in the microfinance sector in different capacities. Anthony holds a Bachelors degree from Makerere University and is an affiliate of Association of Chartered Certified Accountants (ACCA).


Duncan Willetts

David Damberger

General Manager, M-KOPA Tanzania

David joined M-KOPA in 2012 having previously worked as a corporate strategy consultant in telecom, as a senior manager with Engineers Without Borders Canada and as a co-founder at an online ethical shopping company. He has held several roles at M-KOPA. David has a B.Sc in Engineering and Entrepreneurship from the University of Calgary and an MBA from the University of Oxford (Skoll Scholar)


Duncan Willetts

Pauline Githugu

Director Legal & External Affairs

Pauline joined M-KOPA in 2015 having previously been the CEO of Microfinance Bank. She has a wide range of leadership skills with over 18 years experience in both the legal and microfinance sectors. Pauline has a Bachelor of Laws degree, is an Advocate of the High Court of Kenya and a Certified Public Secretary.


Duncan Willetts

Andreas Fruhen

Deputy Chief Technology Officer

Andreas joined M-KOPA in 2015 having previously worked in the Vodafone Group. He has worked on large scale projects like telco billing, VAC Systems and Google search integrations. Andreas has over 10 years experience in Architecture & Design and Operation & Management of large scale IT systems


Duncan Willetts

Daniel Schroeder

Director Market Development

Schroeder brings 10 years experience in Market Development and Sales to the team. Before joining M-KOPA in August 2012 he worked for Solio East Africa as General Manager – a startup working in Pay-As-You-Go solar based in Nairobi.


Please see our corporate site for more information about our board and management.