We are looking for a Fraud Investigator to join our Fraud group, as we scale up and drive digital and financial inclusion across our markets.

The purpose of this role is to ensure thorough diligence and investigation of potential fraud incidents, while supporting timely disciplinary or legal actions in coordination with the fraud team, legal department, and law enforcement. You’ll play a key role in protecting the business from fraud-related risks through careful investigation, fieldwork, and proactive strategies.

In this position, you’ll be responsible for carrying out both field and desktop investigations into suspected cases of fraud, especially related to customer accounts and sales activities. You’ll lead the process of gathering case evidence, conducting due diligence, and reporting your findings in a clear and timely manner. Your insights will also help develop better fraud prevention strategies in the field, as you continuously scan for emerging patterns and risks.

Working closely with the legal team, you’ll help manage any interactions with law enforcement when handling confirmed fraud cases. You’ll also support the wider fraud team to close cases efficiently within set timelines and will collaborate with the fraud analyst on DSR (Direct Sales Representative) suspensions where needed. This includes working alongside the sales team to coordinate appropriate disciplinary actions.

You’ll be expected to share feedback gathered from customers, agents, and your own investigations—insights that help the business improve its fraud response and credit processes.

This role reports to the Fraud Manager and may involve travel, often in rural areas, across M-KOPA’s markets.

To succeed in this role, you’ll need a solid background in fraud detection or investigation, with experience in both fieldwork and data-driven analysis. A certification such as CFE (Certified Fraud Examiner) would be an added advantage. You should be comfortable working independently, especially on extended field assignments, and confident engaging with various stakeholders, including customers, law enforcement, and internal teams.

Strong communication and interpersonal skills are essential, as is proficiency in Microsoft Office tools like Excel, Word, and PowerPoint. Knowledge of local languages would be a plus.

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 thrice by the Financial Times as one Africa's fastest growing companies (2022, 2023 and 2024) 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.