Fraud Manager

Protect and enable financial access for 5 million customers while building South Africa's most advanced fraud management operation.

Join M-KOPA as Fraud Manager during our explosive growth phase—from 3 million to 5 million customers in just 15 months—where your fraud prevention expertise will directly protect the financial dreams of millions accessing formal banking services for the first time. Based in South Africa with 90% fieldwork, you'll lead investigations that safeguard both customer trust and business integrity across our fastest-growing market.

Your fraud management will protect extraordinary impact: 92% of M-KOPA customers report we made technology affordable for the first time, and 62% now generate income through our products. The systems you build will safeguard operations that have contributed KES 17.2 billion to local economies and created over 16,000 jobs across Africa.

This isn't traditional corporate fraud management—you'll pioneer prevention strategies for customers accessing digital financial services for the very first time, many of whom are experiencing their first smartphone, first loan, and first formal financial relationship simultaneously. Your work will enable trust that allows nearly 2 million first-time internet users to engage confidently with digital financial services.

Perfect for experienced fraud professionals ready to apply their expertise where prevention creates both business protection and social impact, you'll:

• Lead country-wide fraud strategy for South Africa's operations, managing the full cycle from prevention systems to field investigations and criminal proceedings

• Build partnerships with police, Legal, and Internal Audit teams to protect operations scaling toward our target of 10 million smartphones by 2027

• Pioneer fraud detection strategies for "Every Day Earners"—customers with irregular income patterns who represent unique fraud risk profiles

• Lead a dynamic team of field investigators and data analysts using cutting-edge technology to stay ahead of emerging threats in African fintech

• Develop fraud management frameworks that enable financial inclusion while maintaining the security standards that protect vulnerable first-time banking customers

• Certified Fraud Examiner (CFE) certification with demonstrable experience leading fraud investigations and collaborating with police

• Strong analytical skills with proficiency in Excel, PowerPoint, and data mining tools for fraud pattern detection

• Team management experience with field investigators, combined with understanding of criminal justice systems and excellent communication skills

Each day will blend strategic oversight with hands-on investigation. You'll conduct field investigations across various South African locations while managing senior stakeholders and building the processes that protect M-KOPA's mission-critical growth. Your analytical skills will detect emerging fraud patterns while your investigation expertise ensures swift, thorough responses.

Leading your team of investigators and analysts, you'll create accountability cultures that balance protection with access—ensuring fraud prevention never becomes a barrier to financial inclusion. Your partnerships with law enforcement will strengthen our ability to prosecute fraudsters while your data-driven approaches will prevent fraud before it impacts customers.

Working across South Africa's diverse communities, you'll understand fraud risks specific to serving previously unbanked populations while building investigation capabilities that scale with our ambitious growth targets. Your leadership will establish M-KOPA as the gold standard for ethical, effective fraud management in African fintech.

For the mission-driven fraud professional who thrives on protecting both business integrity and customer dreams, this role offers the perfect combination of strategic leadership and field investigation excellence in an environment where your fraud prevention enables transformative financial access.

Ready to pioneer fraud management that protects progress? Join M-KOPA and lead investigations that matter.

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 5 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.