Applications are invited from suitable and qualified candidates for the Following Jobs at M-KOPA For Nigerians.
About M-KOPA
M-KOPA is a leading fintech and digital financial services company focused on expanding access to affordable products and financial solutions for underserved consumers across Africa. Through its innovative pay-as-you-go model, M-KOPA enables customers to acquire smartphones, devices, and other essential products while building a digital financial history. The company leverages technology, data analytics, and flexible payment options to promote financial inclusion and economic empowerment. With millions of customers served across multiple African markets, M-KOPA continues to drive innovation in digital finance, helping individuals and small businesses access opportunities that support long-term growth and financial stability.
Summary
- Company: M-KOPA
- Job Opening: 3 Positions
- Job Type: Full Time
- Qualification: SSCE/BA/BSc/HND
- Location: Nigeria
Job Opening: 3 Positions
1. Entry Level Job at M-KOPA For Nigerians
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2. Job Title: Head of Tax, West Africa — M-KOPA (Nigeria / Ghana)
What this role actually looks like:
- You’ll own end-to-end tax compliance for Nigeria and Ghana: CIT provisioning, capital allowance schedules, tax loss utilisation and annual filings, VAT treatment across hardware, service fees, platform charges and intercompany transactions, and WHT obligations on vendor payments, management fees, royalties, and dividend distributions. You’ll prepare and review monthly and quarterly tax provisions for inclusion in management accounts and statutory reporting — and you’ll be accountable for the accuracy, timeliness, and defensibility of every position you take.
- On transfer pricing, you’ll prepare and maintain contemporaneous documentation in line with both jurisdictions’ TP requirements, support CbCR obligations, and liaise with Group Finance on global TP policy alignment — ensuring that intercompany pricing across service fees, procurement flows, and platform charges is documented to withstand scrutiny.
- You’ll serve as M-KOPA’s primary interface with the NRS and GRA across audits, assessments, enquiries, and objections — developing an audit-readiness framework that means we’re never caught off guard. External advisors will remain part of the picture, but you’ll manage their deployment with cost discipline, reserving specialist support for genuinely contentious matters.
- Commercially, you’ll provide tax input into entity structuring, product launches, device import strategies (CBU versus CKD/SKD analysis), and market entry considerations. You’ll monitor legislative developments — including Nigeria’s Tax Reform Bill — and translate their implications into clear, actionable guidance for the business. You’ll also collaborate with Supply Chain on customs duty strategy and landed cost modelling, including investment concession analysis.
- Over time, you’ll build a team. You’ll begin as a sole contributor with a Ghana-based direct report to be brought on as the market scales, and you’ll serve as technical coach and resource to the broader finance function across both markets.
What makes you ready for this:
What makes you ready for this:
- Qualified Chartered Accountant (ICAN, ACCA, or equivalent) with a professional tax qualification or deep specialisation in Nigerian corporate tax — including demonstrable experience across CIT, VAT, WHT, and transfer pricing, and a proven track record managing NRS audit engagements and tax authority relationships.
- Extensive experience preparing transfer pricing documentation and managing TP risk in a multi-entity environment, combined with strong working knowledge of IFRS and the interaction between accounting standards and tax treatments.
- Demonstrated capability operating across multiple West African jurisdictions, or a strong understanding of Ghana’s tax regime in addition to Nigeria — with the credibility to represent M-KOPA authoritatively with both the NRS and GRA.
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3. Job Title: Fraud Investigation Manager – West Africa
We are looking for a Fraud Investigation Manager – West Africa to join our Fraud team; as we scale up and drive digital and financial inclusion across our markets.
Role Overview:
- As Fraud Investigation Manager, you’ll own the full cycle of consumer fraud risk management from establishing prevention systems and processes, to leading analytical detection and diagnosis of fraud events, to directing investigations and criminal proceedings, to implementing mitigation measures. You’ll develop country-wide fraud policies and processes, manage KPIs, lead a team of investigators and analysts, build detection solutions, and collaborate with Legal, Internal Audit, and Product teams. You’ll create a culture of fraud awareness across M-KOPA while managing a large portfolio of investigation and assurance engagements. This role directly protects how 7 million customers experience financial trust.
- This is a hybrid role, you would be working from our offices in Nigeria, partnering with a diverse group of employees from our different markets and locations across the UK, Europe and Africa. You will be reporting to the Global Fraud Manager.
What Makes This Different:
- Most fraud roles are reactive — you chase cases already closed. Here, you’re building the infrastructure that protects customers who have no other financial safety net. When fraud succeeds at M-KOPA, it doesn’t just cost the business; it erodes trust in financial systems for people accessing them for the first time. That’s the weight of this role — and what makes it worth doing.
What You’ll Actually Be Doing:
- Developing and owning country-wide fraud prevention policies and detection systems — integrating data analytics, technology solutions, and field investigation operations into a single cohesive fraud management function.
- Leading a cross-functional team of investigators and analysts; managing KPIs, driving cost-effective decision-making, and building the internal capability to anticipate systemic fraud risks before they materialise.
- Partnering with Legal and Internal Audit to build and progress criminal investigations and disciplinary proceedings, while embedding fraud awareness culture through formal training and cross-functional control gap assessments.
Requirements
What You’ll Bring:
- 5+ years of demonstrable experience in fraud risk prevention, detection, or investigation — through fraud management, forensic investigations, or criminal justice in banking, FinTech, payments, or energy sectors. Current or former police officers with experience in fraud investigation units are strongly encouraged to apply — your investigative instincts, case management discipline, and knowledge of criminal justice systems are exactly what this role demands.
- A Bachelor’s degree in Criminology or a related field, supported by a Certified Fraud Examiner (CFE) credential or comparable fraud certification.
- Advanced analytical capability across Excel, PowerBI or equivalent data visualisation tools, combined with proven team and project leadership — including field-based operational teams and desk-based analytical resources.
The Honest Part:
This is a high-accountability role in a market where fraud actors are sophisticated, motivated, and evolving. You’ll be managing active investigations, leading difficult conversations, and making judgment calls that affect real customers. You’ll need to be comfortable operating across jurisdictions, coordinating with law enforcement, and holding a team to outcomes in a fast-moving environment. If that sounds demanding — it is. It also means every decision you make has direct, measurable impact on 7 million customers building financial lives for the first time.
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Deadline
Not Specified
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