Fraud Manager (Operations) at M-KOPA

What Makes This Role Different:

• This isn’t traditional corporate fraud management. You’ll lead a team of field investigators and analysts, build scalable prevention systems, and work hand-in-hand with law enforcement to prosecute fraudsters and protect vulnerable customers.
• You’ll need to be as comfortable in a boardroom as you are in a township. You’ll combine public sector experience with private sector agility—bringing deep relationships with law enforcement agencies and a proven track record of managing investigations that deliver results.
• Your work will protect operations that have contributed KES 17.2 billion to local economies, created over 16,000 jobs, and enabled financial access for millions.

Your Impact:

Lead South Africa’s fraud strategy

• Manage the full fraud lifecycle—from prevention systems and detection protocols to field investigations and criminal proceedings.

Build and manage high-performing teams

• Lead a dynamic group of field investigators and data analysts. Set clear goals, coach for performance, and foster a culture of accountability and impact.

Strengthen law enforcement partnerships

• Leverage your existing relationships with police, prosecutors, and regulatory bodies to accelerate investigations and secure convictions. You’ll be our bridge between corporate compliance and public enforcement.

Design scalable fraud frameworks

• Develop systems that protect customers accessing digital financial services for the first time—without creating barriers to inclusion.

Enable trust through action

• Ensure fraud prevention never becomes a bottleneck. Your work will reinforce customer confidence and support sustainable growth.

Must-Have Qualifications

• Demonstrable experience managing fraud investigation teams in both corporate and public sector environments.
• Proven field investigation experience, with a strong track record of conducting and overseeing fraud investigations across diverse communities and geographies.
• Deep experience collaborating with law enforcement agencies, with strong existing relationships across South Africa’s criminal justice system.
• Certified Fraud Examiner (CFE) or equivalent, with knowledge of criminal procedure, evidence handling, and prosecution processes.