Fraud Manager

**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-jo