Fraud Manager - West Africa

As Fraud Manager, you'll own the full cycle of consumer fraud risk management from establishing prevention systems and processes, to leading analytical detection and diagnosis of fraud events, to directing investigations and criminal proceedings, to implementing mitigation measures. You'll develop country-wide fraud policies and processes, manage KPIs, lead a team of investigators and analysts, build detection solutions, and collaborate with Legal, Internal Audit, and Product teams. You'll create a culture of fraud awareness across M-KOPA while managing a large portfolio of investigation and assurance engagements. This role directly protects how 7 million customers experience financial trust.

M-KOPA is a financial technology company protecting financial access for 7 million customers across Africa. We've unlocked $2+ billion in credit for people who'd never accessed formal financial services. We've contributed $45 million in taxes to African economies, assembled 2 million smartphones in Kenya, and financed 4,000+ e-motorbikes; saving riders an average of $5.62 daily.

We're deliberately scaling our fraud management infrastructure globally. We need leaders who understand that managing fraud risk here means protecting something different: 7 million customers accessing financial services for the first time, building trust in a system designed for their economic empowerment.

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 Global Fraud Manager.
What Makes This Different

Most fraud roles are reactive — you chase cases already closed. Here, you're building the infrastructure that protects customers who have no other financial safety net. When fraud succeeds at M-KOPA, it doesn't just cost the business; it erodes trust in financial systems for people accessing them for the first time. That's the weight of this role — and what makes it worth doing.

What You'll Actually Be Doing

• Developing and owning country-wide fraud prevention policies and detection systems — integrating data analytics, technology solutions, and field investigation operations into a single cohesive fraud management function.

• Leading a cross-functional team of investigators and analysts; managing KPIs, driving cost-effective decision-making, and building the internal capability to anticipate systemic fraud risks before they materialise.

• Partnering with Legal and Internal Audit to build and progress criminal investigations and disciplinary proceedings, while embedding fraud awareness culture through formal training and cross-functional control gap assessments.

What You'll Bring

• 5+ years of demonstrable experience in fraud risk prevention, detection, or investigation — through fraud management, forensic investigations, or criminal justice in banking, FinTech, payments, or energy sectors. Current or former police officers with experience in fraud investigation units are strongly encouraged to apply — your investigative instincts, case management discipline, and knowledge of criminal justice systems are exactly what this role demands.

• A Bachelor's degree in Criminology or a related field, supported by a Certified Fraud Examiner (CFE) credential or comparable fraud certification.

• Advanced analytical capability across Excel, PowerBI or equivalent data visualisation tools, combined with proven team and project leadership — including field-based operational teams and desk-based analytical resources.

The Honest Part

This is a high-accountability role in a market where fraud actors are sophisticated, motivated, and evolving. You'll be managing active investigations, leading difficult conversations, and making judgment calls that affect real customers. You'll need to be comfortable operating across jurisdictions, coordinating with law enforcement, and holding a team to outcomes in a fast-moving environment. If that sounds demanding — it is. It also means every decision you make has direct, measurable impact on 7 million customers building financial lives for the first time.

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.