Fraud Manager - West Africa at M-KOPA

Role Overview

• 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.
• 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 You'll Do

• Develop and maintain fraud prevention and management policies and processes. Lead end-to-end standardization of fraud risk identification and detection processes.
• Assess fraud risk scenarios and design detection solutions integrating technologies and management expertise.
• Lead and manage a team of field investigators and data analysts in prevention, detection, investigation, and mitigation of fraudulent activities.
• Manage KPIs and drive accountability for cost-effective achievement of team objectives. Initiate new prevention and monitoring methods to improve the company's ability to foresee systemic risks.
• Ensure data-driven decisions and professional standards of quality. Support Legal and Internal Audit in building criminal investigations, disciplinary processes, and systems that identify risks and trends.
• Create fraud awareness culture through formal employee training. Coordinate insurance claims with Finance. Identify control gaps and recommend enhancements.

What You Bring

• Minimum 5+ years of demonstrable experience in fraud risk prevention and detection—through fraud management, fraud analytics, internal audit, forensic investigations, or criminal justice in banking, payment, capital markets, insurance, FinTech, or energy sectors.
• Bachelor's Degree in Criminology or related field.
• Certified Fraud Examiner (CFE) credential or comparable fraud-related certification.
• Advanced analytical capability - proficiency in Excel, PowerPoint, Word, SharePoint, and PowerBI or data visualization systems. Strong comfort with data, analytical thinking, causal diagnosis, and trend interpretation.
• Team and project leadership - ability to manage field-based operational teams and desk-based analytical resources. Strong background in cost-effective decision-making including ROI analysis and KPI monitoring.
• Strategic fraud expertise - understanding of criminal justice systems, identification of fraud indicators through data mining, and ability to manage stakeholder engagement across diverse audiences.