Senior Investigations Officer

M-KOPA is a fintech and digital financial services company that provides smartphones and a range of financial products to everyday earners across sub-Saharan Africa, operating in Ghana, Kenya, Nigeria, South Africa, and Uganda. The company uses an asset-financing model that allows customers to make an initial deposit on a smartphone and then pay it off through affordable daily, weekly, or monthly installments, building a credit history in the process. This approach has enabled M-KOPA to serve over 10 million customers and unlock more than $2 billion in credit for individuals who are largely excluded from traditional financial systems. M-KOPA's suite of services extends beyond device ownership to include digital loans, health insurance, device protection, and affordable data bundles, all designed to expand economic opportunity for low-income populations. The company also operates a large network of over 35,000 sales agents, many of whom are themselves beneficiaries of the economic empowerment model M-KOPA promotes. M-KOPA has been recognized among the world's top fintech companies and continues to scale its impact across the African continent. While M-KOPA is primarily categorized as a fintech company, its roots are in the renewable energy and pay-as-you-go solar sector, where it pioneered off-grid solar solutions for underserved communities before expanding into smartphones and broader financial services. This evolution reflects the company's enduring mission to connect underserved populations to transformative technologies and financial tools that improve quality of life and drive sustainable economic inclusion.

We are looking for a Senior Investigations Officer to join our Legal group as we scale up and drive digital and financial inclusion across our markets.

Job Purpose

People tell you things they haven't told anyone else. What if the business you were protecting had just crossed 10 million customers and $2 billion in credit unlocked — with 86% saying it's genuinely improved their lives?

That's M-KOPA today, and we're building an investigations function to match a business operating across five markets with a whistleblower and grievance programme that needs to genuinely work — not just exist on paper. This is a Board-visible role, reporting to the Head of Internal Audit & Risk, at the point where this function moves from case-by-case to properly run.

What you'd own: Leading internal investigations end-to-end — intake, evidence, interviews with complainants, witnesses, and subjects, analysis, and reporting — across fraud, misconduct, harassment, safeguarding, and policy-violation cases, with a methodology consistent enough to hold up in disciplinary or legal proceedings. Preparing monthly and quarterly reporting for the Head of Internal Audit & Risk and the Board Audit & Risk Committee. Running the whistleblower and grievance programme day to day, and feeding recurring themes back into audit planning.

The honest part: this means holding other people's worst days with absolute discretion, managing a caseload independently across markets and cultures, and writing findings that need to survive scrutiny long after the case closes. If that's the kind of trust you're ready to carry rather than a weight you're avoiding, keep reading.

Organisation Structure

Reports to Head of Internal Audit & Risk

What you bring: A degree in a business-related field, law, or criminology, plus a Certified Fraud Examiner (CFE) credential — this one's a hard requirement. Extensive, hands-on experience conducting internal investigations, ideally in financial services, fintech, or a comparable regulated, multi-market environment. A demonstrated track record preparing findings for senior management and Board-level audiences.

Every case you close carefully protects the trust that makes this whole model work.

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, 2025 and 2026), named on CNBC's World’s Top Fintech Companies 2025 & 2026 and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 10 million customers, unlocking $2 billion in cumulative credit for the everyday earners across Africa, in addition to over 10,000 e-bikes financed in Kenya.

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.

If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.