Available Jobs at Mukuru

Branch Manager

• The Branch Manager reports directly to the Regional Manager. This dynamic leadership role is responsible for ensuring the smooth and professional execution of foreign exchange transactions, while inspiring and empowering a team of Forex Consultants and Mukuru Ambassadors.
• The Branch Manager is the heartbeat of the branch, managing both the financial integrity of the safes and delivering an exceptional customer experience.
• This role is pivotal in maintaining operational excellence and team cohesion, as well as being the first point of contact for resolving both customer and staff-related issues. Internal liaison takes place with the branch staff; external liaison involves engaging with our valued customers and key service providers.

Minimum Requirements

• To succeed in this role, you will need a solid understanding of foreign exchange processes, exchange control regulations, FICA and AML compliance, as well as Reserve Bank policies. Knowledge of branch operations, cash handling, and HR principles is essential.
• You should possess strong multitasking and administrative skills, be computer literate, and communicate effectively both verbally and in writing. Attention to detail, conflict management, and excellent interpersonal skills are key in leading a high-performing team.
• A minimum of 3 years’ experience as a Forex Consultant is essential, along with a Grade 12 qualification or equivalent. Proficiency in a relevant local language such as Shona, Chewa, or another is also required for engaging effectively with our customer base.

Key Responsibilities

Branch Operations Management:

• You’ll ensure that the branch opens and closes securely, with all systems, alarms, and equipment functioning correctly. You'll also ensure the branch remains professional in appearance and fully stocked with the necessary supplies.

Safe Management:

• Managing the safe and the secure handling of money is a critical part of the role. You'll ensure the safes are opened and closed according to protocol, all cash is correctly counted and reconciled, and any discrepancies are investigated and reported.

Cash Issuance & Control:

• You’ll handle additional stock or float requests during the day, issuing funds accurately and ensuring everything is correctly captured in the system with the proper documentation.

Stock & Logistics Coordination:

• This involves liaising with security services such as Fidelity Guards, receiving stock and deposits, processing them on the system, and storing everything safely with accurate records and notifications.

Customer Service & Issue Resolution:

• You’ll act as the go-to person for customer complaints and ensure that issues are resolved professionally, calmly, and in a timely manner. When needed, unresolved concerns will be escalated to the Regional Manager.

Team Leadership:

• You’ll lead and support Forex Consultants and Mukuru Ambassadors, offer on-the-job training, conduct spot checks, guide transactions, and resolve minor HR issues. Major staff matters will be escalated accordingly.

Client Support Duties:

• At times, you may assist with transactions, provide remittance support, issue bank statements or confirmation letters, and help walk-in customers with any service-related concerns.

Knowledge Mastery & Training Compliance:

• You’ll need to keep up with the ICFX system and complete all daily, monthly, and quarterly training quizzes and assignments to maintain system proficiency and compliance knowledge.

Performance Management:

• You will conduct regular check-ins with your team, coach and mentor them, monitor key performance indicators, manage leave approvals, and ensure compliance with company policies.

Self-Development:

• As a Branch Manager, you’re expected to monitor your own targets, attend monthly performance meetings, and actively engage in professional development initiatives.

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• We’re seeking an exceptional Head of Financial Crime to lead our fight against fraud, money laundering, and terrorist financing. This is your opportunity to take charge of a high-impact function, build world-class prevention programmes, and protect millions of customers worldwide.

What You’ll Do

As our Head of Financial Crime, you will:

• Shape Strategy: Develop and implement cutting-edge policies, procedures, and controls across multiple jurisdictions.
• Lead with Impact: Manage and inspire a team of financial crime professionals, setting the gold standard in compliance.
• Stay Ahead of Risks: Conduct risk assessments, monitor emerging crime trends, and ensure proactive risk management.
• Investigate & Protect: Lead investigations into suspected financial crimes, coordinating with regulators and law enforcement.
• Collaborate Globally: Partner with internal teams, regulators, and stakeholders to strengthen our global compliance framework.
• Champion Awareness: Drive organisation-wide awareness of financial crime prevention and embed a strong compliance culture.

What You’ll Bring

• Education: Bachelor’s Degree / Advanced Diploma in Law, Forensics, Risk, or Compliance Management (Essential).
• Certifications: CAMS (Certified Anti-Money Laundering Specialist) and/or CFE (Certified Fraud Examiner) (Essential).

Experience:

• 8+ years in financial crime compliance, ideally within fintech or payment institutions.
• 4+ years proven leadership experience managing large compliance teams.

Knowledge & Skills:

• Deep knowledge of financial crime legislation across Africa, UK & EU.
• Strong experience with transaction monitoring and fraud detection systems.
• Exceptional analytical, problem-solving, and stakeholder management skills.
• Advanced communication and presentation abilities across all levels.

Key Competencies

• Systematic and detail-driven approach
• Results and goal orientation
• Analytical mindset with sound judgement
• People leadership and team development
• High stress tolerance and resilience
• Ability to provide insights and influence strategy

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• An opportunity has become available for a Mandarin speaking KYC Verification Officer to join our Verifications Team in Cape Town. This role will report to the KYC Verifications Team Lead and will predominantly support our Chinese corridor and clients.
• Internal Liaison takes place with the Agents and the Contact Centre. External liaison takes place with external customers.

Duties and Responsibilities (include but is not limited to):

• To verify and validate documentation and information supplied by customers when signing up for new accounts
• Keep up to date on any process and regulatory changes
• To report any suspicious activities on customer accounts
• To make outbound calls to customers in order to carry out security checks in assigned corridors
• To aid the verification team as and when required
• To uphold and maintain daily and monthly targets
• To always provide good customer service
• To uphold the company brand
• To manage own professional and self-development

Key Requirements:

• Grade 12 or equivalent (Essential)
• 2 years KYC Experience (Essential)
• Understanding and speaking of Mandarin / other relevant Asian language (Essential)
• Knowledge of money transfer procedures
• Knowledge of KYC regulations
• Knowledge of AML and Fraud
• Knowledge of KYC rules and processes

Additional Skills:

• Computer skills
• Typing skills.
• Telephone skills
• Verbal and written communication skills
• Organisational & administrative skills
• Attention to detail
• Interpersonal skills
• Problem solving skills

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• As a Intermediate Software Engineer (PHP), you’ll be at the heart of it all: designing, building, and scaling applications that directly impact how people send and receive money. You’ll join a collaborative, forward-thinking team that values innovation, continuous learning, and real-world impact.

What You’ll Do

• Design & Build: Develop and maintain PHP applications and microservices.
• APIs That Matter: Design and integrate RESTful APIs with new and existing systems.
• Data Mastery: Work with MySQL databases, optimising schemas and queries.
• Collaborate: Work hand-in-hand with cross-functional teams to deliver impactful features.
• Raise the Bar: Participate in code reviews, testing, and debugging to deliver high-quality solutions.
• Innovate: Apply industry best practices, SOLID principles, and modern design patterns.
• Stay Ahead: Keep pace with emerging tools, cloud technologies, and development trends.

What You’ll Bring

• Grade 12 or equivalent (Essential).
• IT degree or diploma (Desirable).
• 5+ years’ experience as a software engineer.
• Strong background in PHP frameworks and open-source technologies.
• Solid experience with Docker, CI/CD pipelines, and modern Git workflows.
• Hands-on expertise in database management (migration, scripting, optimisation).
• Knowledge of microservices, RESTful APIs, and cloud technologies (AWS, etc.).
• Agile mindset with experience in Scrum or Kanban environments.

Bonus Skills

• Excellent communication and collaboration skills.
• Ability to thrive both independently and as part of a team.
• Passion for continuous learning and staying up to date with new tech.

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What You'll Be Doing

• As a Senior Software Engineer, you will play a key role in designing, developing, and delivering reliable and scalable backend solutions. You'll collaborate with product, QA, and other engineering teams to roll out new features and continuously improve our codebase.

Your responsibilities will include:

• Collaborating with cross-functional teams to define, design, support, and deploy new features and products.
• Developing new functionalities for web-based applications using PHP and modern frameworks.
• Writing clean, scalable, testable, and maintainable code aligned with best practices.
• Performing code reviews and contributing to internal knowledge sharing.
• Troubleshooting, debugging, and optimizing existing systems.
• Participating in architectural discussions and helping to choose the right tools for each challenge.
• Staying current with industry trends and technologies.

Minimum Requirements

• 5+ years of PHP development experience with strong object-oriented programming skills.
• Experience with modern PHP frameworks like Laravel, Symfony, or CodeIgniter.
• Proficiency in SQL and RESTful API design.
• Experience with database management, scripting, and data migrations.
• Understanding of web application architecture, design patterns, and security principles.
• Familiarity with microservices architecture and scalable system design.
• Solid experience with Git, CI/CD pipelines, and code reviews.
• Exposure to front-end technologies (HTML, CSS, JavaScript).
• Experience working in Agile environments (Scrum/Kanban).
• Grade 12 / Matric or equivalent (Essential)

Bonus Points For

• A relevant degree or diploma in Computer Science or related field.
• Experience with containerisation (Docker), cloud platforms, or DevOps practices.
• Contributions to open-source projects or a strong GitHub portfolio.

Key Competencies

• Excellent problem-solving and analytical thinking.
• Strong written and verbal communication skills.
• A collaborative mindset and the ability to work independently.
• Self-motivated, organised, and adaptable to fast-paced environments.
• Strong time management and ability to prioritise effectively.

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• The Social Media Specialist reports directly to the Digital Marketing Manager. This role is responsible for the creation of content strategies and efficient execution and management of multiple social media pages.
• This is a great opportunity to work in a purpose-driven and fast-paced organisation and make an impact to enhance engagement on our social media platforms with the aim to expand our customer base.
• Internal Liaison takes place with all internal departments. External liaison takes place with customers through social media.

Duties and Responsibilities (Includes but is not limited to):

• Initiate and execute on creative content strategies that align with the Mukuru brand
• Copywriting of all social media posts according to the brand guidelines
• Conduct market research analysis to identify trends, real-time search and news media activity, popular social media topics, electronic commerce trends, market opportunities, or competitor performance.
• Assist in the development of social media transaction or security policies.
• Keep abreast of government regulations and emerging web technology to ensure regulatory compliance by reviewing current policies and SOPs, engaging with colleagues, participating in educational programs, attending meetings or workshops, or participating in professional organisations and conferences.
• Input into improving and developing the digital marketing function through social platforms
• Collaborate with other marketing staff to integrate and complement marketing strategies across multiple social media platforms.
• Participate in the development and implementation of online marketing strategy with overall responsibility for social media implementation.
• Improve social media platforms activities through ongoing analysis, experimentation, or optimization tests, using different approved methods.
• Conduct online marketing initiatives, such as paid ad placement, affiliate programs, sponsorship programs, email promotions, or viral marketing campaigns on social media
• Identify appropriate Key Performance Indicators (KPIs) and report key metrics from social media platform activities or initiatives.
• Ensure positive social media sentiment and provide recommendations to improve/ tweak when necessary.
• Responsible for setting up or optimising analytics tools for tracking visitors' behaviours
• Collect and analyse web metrics, such as visits, time on site, page views per visit, transaction volume and revenue, traffic mix, click-through rates, conversion rates, cost per acquisition, or cost per click.
• Manage tracking and reporting of social media activities on all platforms to provide analyses and insights to key stakeholders.
• Conduct financial modelling, tracking and reporting for online marketing programs or web site revenue forecasting.
• Execute digital competitions (planning, design, sign off and execution)
• Evaluate new emerging media or technologies and make recommendations for their application within Internet marketing and social media marketing campaigns.
• Identify, evaluate, and propose procurement of hardware or software for implementing social media marketing initiatives and campaigns.
• Propose online or social media channel campaigns to marketing leaders.
• Collaborate with web, IT, service providers, and graphic design staff to create multimedia social media content that conforms to brand and company visual format.
• Contribute to the identification and development of commercial or technical specifications, such as usability, pricing, checkout, or data security, to promote transactional internet-enabled functionality and inform social media marketing tactics.
• Execute and manage social media campaigns or promotional strategies with sales, operations, and other key stakeholders
• Assist in the evaluation and negotiation of contracts with vendors or online partners.
• Attend monthly KPI discussion with Digital Marketing Manager
• Attend bi-annual monthly performance meeting with Digital Marketing Manager
• Maintain knowledge of current digital marketing methodology and practices
• Keep abreast of remittance developments within the money transfer service industry
• Keep abreast of new product/partner launches

Key Requirements:

• Grade 12 or Equivalent
• Bachelor’s degree or Advanced Diploma
• Social Media and Digital Marketing courses
• Minimum 5 years Digital Marketing Experience
• Minimum 5 years Social Media Platforms (Facebook, Twitter, LinkedIn, Instagram and TikTok)
• Minimum 3 years (advantageous not necessity) Fintech and/or Financial Services experience
• Knowledge of Social Media Platforms (Facebook, Twitter, LinkedIn, Instagram and TikTok
• Knowledge of marketing & communication processes
• Knowledge of content creation (video and static)
• Knowledge of websites

Additional Skills:

• Presentation skills
• Verbal and written communications skills
• Organisational & administrative skills
• Interpersonal skills
• Detail Oriented
• Analytical skills
• Computer skills

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The main purpose of this role is to provide remittance disbursement services in a professional and efficient manner and provide oversight on retail sales and drive sales to individuals, corporates, enterprise sales within the assigned territory.

• The Territory Sales & Branch Teller reports directly to the Head of Branches. This position will generate sales through agent army, marketing the enterprise and corporate products and all other Mukuru products including marketing collateral in assigned territory.
• The position will be responsible to create and manage brand awareness to maximise return on marketing investments and sustainable relationships. This position is also responsible for processing remittance transactions in an accurate and professional way.
• They are required to carry out remittance operations in a legally compliant manner by checking the integrity of the documents provided and identify potential fraudulent documents.
• Internal Liaison takes place with the branch staff and agents. External liaison takes place with external customers.

Duties and Responsibilities (Include but is not limited to):

• Providing advice and guidance to customers
• Analyse and monitor transaction details
• Motivate and assist customers to transact with Mukuru
• To activate customers for new corridors
• Gather and present location specific information on sales
• To monitor whether sufficient stock of marketing collateral is available and report back
• Engage with potential customers and market the enterprise product
• Custodianship of the Mukuru brand and maintenance of that standard
• Welcome and greet customers in a professional manner
• Identify if the customer wants to collect money, send money or do an FX deal
• Collect and check the required documentation and scan clear copies
• Verify the current rate as given by ICFX and explain the rate to the customer
• Match customer name and ID before processing
• Capture all transaction details in ICFX
• Ensure all money is double checked and counted within view of cameras
• Count money with the customer and confirm the value together when selling FX
• Check that all notes are real when buying FX
• Print out and sign invoice/receipt, original filed away accurately and customer given the duplicate
• Archive invoices after 3 months
• Check validity of passport, proof of residence not older than 3 months and valid flight ticket within 90 days
• Refer customers to other agents if no proof of residence is available
• Escalate any suspicious documentation to branch manager before processing
• All new customers and high value customers must complete an Indemnity form
• Obtain daily password for safe every morning and retrieve own float
• Notify finance and receive a top-up if required to ensure sufficient stock levels
• Conduct a stock count at the end of each day
• Verify totals of stock match system by printing out slip from ICFX, capture actual stock totals, sign and send to Manager
• Capture shorts onto ICFX and notify manager
• Compile weekly and monthly spreadsheet reports
• Complete daily system tests on system, must achieve 100% or go back and try again
• Complete daily quiz and overall monthly quiz competition
• Submit monthly assignments timeously
• Attend quarterly training and test sessions
• Always provide professional customer service
• Give information based on the training received
• Maintain customer confidentiality
• Monitor and manage own targets
• Attend monthly performance meeting with Head of Branches
• Attend all required training courses for new products
• Improve Chinese language level and write monthly test designed by the head of branch

Key Requirements:

• Grade 12 - High school graduate
• Chinese language related certificate
• Understanding and Speaking of Mandarin (essential)
• 2 Years Customer Service Consultant experience within a financial institution
• 2 Years Sales experience within a financial institution
• 2 Years Chinese related work experience
• Knowledge of foreign exchange
• Knowledge of exchange control regulations
• Knowledge of FICA regulations
• Knowledge of money laundering
• Knowledge of Customer Service

Additional Skills:

• Verbal and written communications skills
• Organisational & administrative skills
• Interpersonal skills
• Analytical skills
• Sales Skills
• Chinese language Skill
• Driving Skills

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• To provide oversight on retail sales and drive sales to individuals, corporates, enterprise sales in all China sending countries.
• The Sales Lead reports directly to the Sales Manager-China Market.

This position is responsible for:

• generating sales through agent army,
• marketing the enterprise and corporate products and all other Mukuru products, this involves marketing collateral in all sending countries,
• Pushing brand awareness and managing brand across partnerships and verticals,
• internal liaison for SMH and Group Marketing, e
• grow transactions for products that sit in all China sending countries
• Sales and market relevant operation & implementation to support sales and marketing
• Travel domestically and internationally to expand China market and work closely with country managers.

Duties and Responsibilities (include but is not limited to):

• Providing advice and guidance to agents
• Analyse and monitor transaction statistics
• Motivate and strategize on how to incentivise the agent army
• To activate agents for new corridors
• To ensure sufficient stock of marketing collateral is available
• Engage with potential customers and market the enterprise product.
• Custodianship of the Mukuru brand and maintenance of that standard.
• Engaging with ex-pat communities to understand their remittance needs
• Establish the viability of potential new corridors
• Engage new biz dev and projects regarding new potential corridors
• Conducting marketing research and write reports in BIP markets
• Conduct multiple domestic and international visits to sales agents
• Conduct filed work in all China sending countries
• Conduct various activations on requests
• Manage the stock and marketing collateral
• Manage the sales budget effectively
• Monitor targets and budgets to ensure alignment
• Curate weekly sales statistics
• Gather and present location specific information on sales
• Generate weekly travel plan
• Generate weekly report
• Liaise with HR to resolve any staff issues
• Solve escalated queries
• Assist with recruitment of new sales agents
• Ensure that all staff have sufficient training before commencing employment
• Liaise with community association
• Liaise with chambers of commerce
• Liaise with the relevant organizations

Key Requirements:

• Sales and Marketing qualification. (Essential)
• High School/Matric
• At least 5 years sales experience, of these, 2 years should be at managerial level (Essential)
• English & Chinese (essential - fluency in speaking and reading)
• Experience in managing a Salesforce
• Experience in domestic and international travels
• Knowledge of sales and marketing principles
• Knowledge of how to generate marketing collateral
• Knowledge of marketing collateral
• Knowledge of procurement methodology
• Knowledge about market research and report

Additional Skills:

• Verbal and written communication skills in English
• Selling skills
• Time management skills
• Organisational & administrative skills
• Interpersonal skills
• Driving skills
• Language skills: Chinese