Fraud Manager (Operations)

Fraud Manager | M-KOPA South Africa

Corporate fluent. Street smart. Leading fraud prevention where trust meets impact.

You’re street smart. You’re corporate savvy. You’ve led teams, cracked cases, and built trust across sectors. But when was the last time your work protected both business integrity and customer dreams?

We are looking for a Fraud Manager to join our South Africa Operations team as we scale up and drive digital and financial inclusion across our markets.

Why This Timing Matters

M-KOPA is scaling fast. We’ve grown from 5 million to 7 million customers in just over a year, unlocking $2+ billion in credit , assembling 2 million smartphones in Kenya , and financing 4,000+ e-motorbikes that save riders $5.62 daily . We’re building the infrastructure to reach 10 million customers , and fraud prevention is mission-critical to that journey.

This is your opportunity to join during a pivotal growth phase—where your leadership will shape how we protect customer trust and business operations across South Africa’s most dynamic fintech market.

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.

The Reality Check

This role is demanding. You’ll spend 90% of your time in the field , navigating diverse communities, managing complex investigations, and coordinating with multiple stakeholders. You’ll need to balance strategic oversight with hands‑on leadership—and be ready to act fast when threats emerge.

But you’re probably ready for exactly this. You thrive in high‑stakes environments and know how to turn operational chaos into clarity.

Why M-KOPA?

7M+ customers served across Africa

$45M in taxes contributed to local economies

86% of customers report improved quality of life

70% use our products to generate income

55% accessing products / services for the first time

We’re not just building a business. We’re building Africa’s economic transformation .

Why This Role, Why Now

South Africa is our fastest-growing market—and fraud prevention is central to our success. We’re looking for a leader who understands the nuances of fraud in emerging markets, and who can build systems that scale with our ambition.

This is a role for someone who’s corporate fluent and street smart —who can lead investigations, manage teams, and build the partnerships that protect progress.

Ready to lead fraud management that protects millions? Let’s talk.

If you’re reading this and thinking, " This feels different "—that’s probably the signal to explore.

Why M-KOPA?

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 / chargeany 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.

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