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.

About M-KOPA

• 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.