Junior Fraud Analyst

We are looking for a Junior Fraud Analyst to join our Fraud team as we strengthen our defenses and protect the financial dreams of millions across our markets.

About the Job

As a Junior Fraud Analyst, you will become a digital detective in the fight against financial crime, standing guard over our customers' aspirations and our company's integrity. Working at the intersection of data science and criminal investigation, you'll uncover hidden patterns in complex datasets, transform raw information into actionable intelligence, and ensure every fraudulent attempt is stopped before it can harm the communities we serve.

At M-KOPA, fraud prevention isn't just about protecting numbers—it's about preserving trust and enabling opportunity. In this role, you will go beyond traditional analysis to become a strategic guardian of financial inclusion. You will assist design detection mechanisms that not only catch today's fraudsters but anticipate tomorrow's schemes, working closely with cross-functional teams including Sales, Operations, and Technology to ensure our fraud prevention measures evolve as quickly as the threats we face.

What You'll do

The role involves you conducting due diligence and accurately processing all fraud tickets from Freshdesk, ensuring proper documentation and tracking on the fraud SharePoint list while maintaining high data quality and controls. It also includes carrying out phone investigations with suspects and claimants to verify the legitimacy of fraud allegations, as well as preparing and sending daily reports on ticket resolutions and audits.

Success in this role comes from a unique blend of analytical rigor and investigative instinct. We need someone who has walked the path of complex fraud detection and understands that true security lies in the ability to see patterns others miss. Your experience should tell a story of uncovering sophisticated fraud schemes that didn't just solve individual cases but strengthened entire systems.

The ideal candidate will hold certification in a fraud-related discipline, such as Certified Fraud Examiner (CFE), with proficiency in Excel, PowerPoint, Word, and statistical analysis. Your minimum of two years' experience in fraud prevention or analysis would give you valuable context for the evolving landscape of financial crime.

Most importantly, we need someone who embodies our values of integrity, vigilance, and unwavering commitment to justice – someone who doesn't just want a job but wants to be part of a mission that's protecting financial inclusion across an entire continent.

If this sounds like the challenge you've been waiting for, where your expertise in fraud detection and data analysis can truly make a difference in safeguarding our customers' financial futures, we want to hear your story.

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.