Fraud Investigator

About M-Kopa

Join Africa's financial inclusion revolution! M-KOPA has been recognized twice by the Financial Times as one of Africa's fastest-growing companies and named among TIME100's Most Influential Companies globally. We've already transformed over 3 million lives by unlocking $1 billion in credit for the unbanked across Africa.

We don't just offer jobs – we fuel careers. Our people-first culture includes diverse development programs, coaching partnerships, comprehensive training, family-friendly policies, and flexible work arrangements that adapt to your life.

About The Role

Are you passionate about justice and protecting vulnerable communities? As our Fraud Investigator, you'll be the shield that protects M-KOPA's mission of financial inclusion while ensuring honest customers get the credit they deserve.

What You'Ll Do:

Lead High-Impact Investigations

• Conduct field and desktop investigations using cutting-edge fraud detection techniques
• Uncover fraud patterns through advanced data mining and analytical exercises
• Develop innovative, proactive strategies to stay ahead of fraudulent activities

Drive Justice & Recovery

• Partner with law enforcement to bring confirmed fraud cases to justice
• Manage case closure within strict timelines, ensuring swift resolution
• Recover assets and protect company resources through strategic investigation

Build Fraud Prevention Excellence

• Train teams across departments on fraud prevention best practices
• Provide actionable insights from customers and field agents to strengthen our defenses
• Support analyst teams in implementing protective measures for our sales network

Shape Strategic Decisions

• Prepare comprehensive reports that influence business strategy
• Deliver recommendations that improve credit quality and portfolio performance
• Act as the critical link between field operations and strategic decision-making
• Certified Fraud Examiner (CFE) or equivalent fraud-related certification.
• 5+ years of professional experience in fraud investigation or related field.
• Fluency in Swahili and English (additional languages are a bonus!).
• Advanced proficiency in Excel, PowerPoint, and Word.
• Analytical Mind: You excel at identifying fraud indicators through data analysis.
• Prepare comprehensive reports that influence business strategy
• Deliver recommendations that improve credit quality and portfolio performance
• Act as the critical link between field operations and strategic decision-making
• Certified Fraud Examiner (CFE) or equivalent fraud-related certification.
• 5+ years of professional experience in fraud investigation or related field.
• Fluency in Swahili and English (additional languages are a bonus!).
• Advanced proficiency in Excel, PowerPoint, and Word.
• Analytical Mind: You excel at identifying fraud indicators through data analysis.

What You Will Need:

• Criminal Justice Knowledge: You understand legal systems and investigation processes.
• Field Ready: Comfortable working independently in diverse environments, including rural areas.
• Master Communicator: You can explain complex findings to various stakeholders clearly.
• Natural Leader: You build trust with customers, law enforcement, and internal teams
• Growth Mindset: You're always learning and empowering yourself to excel.
• Criminal Justice Knowledge: You understand legal systems and investigation processes.
• Field Ready: Comfortable working independently in diverse environments, including rural areas.
• Master Communicator: You can explain complex findings to various stakeholders clearly.
• Natural Leader: You build trust with customers, law enforcement, and internal teams
• Growth Mindset: You're always learning and empowering yourself to excel.

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 5 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/charge any 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.