Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expand in customer base.
Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.
Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.
Job Summary:
To drive SME business growth through client acquisition, lending expansion, deposit mobilisation, and strong team leadership, while maintaining portfolio quality and profitability.
Responsibilities:
1. SME Client Acquisition & Lending Growth
- Drive acquisition and onboarding of SME and MSME clients.
- Deliver SME and MSME lending disbursement targets.
- Build and manage a strong pipeline and improve conversion rates.
- Manage average loan size and yield to ensure profitability.
- Drive utilisation of approved credit limits.
- Ensure sustainable and quality growth of the SME loan book.
- Deliver net deposit growth targets across SME customers.
- Increase proportion of low-cost deposits (CASA).
- Optimise cost of funds on SME deposits.
- Drive fee income from SME transactional banking activities.
- Maintain portfolio quality within acceptable thresholds.
- Ensure early identification and resolution of arrears.
- Uphold strong credit underwriting, monitoring, and reporting standards.
- Ensure compliance with internal policies and regulatory requirements.
- Monitor SME market trends, customer needs, and competitor activity.
- Provide input into product development and commercial strategy.
- Lead SME sales teams to achieve aggregated targets.
- Drive staff productivity (business per staff).
- Conduct performance management, coaching, and development.
- Maintain acceptable attrition levels and succession planning.
- Bachelor’s degree in Business, Finance, Economics, or a related field
- Master’s degree is an added advantage
- Minimum 7–10 years’ experience in SME banking or business development
- Proven track record in lending, sales, and portfolio management
- Experience managing and leading sales teams
- Strong sales and negotiation skills
- Leadership and team management capability
- Commercial and financial acumen
- Credit and risk understanding
- Relationship management and networking ability
- Strategic thinking and execution
- Results-driven with strong performance orientation
Please submit your application by 10th April 2026. Due to the urgency, interviews will be on a rolling basis.
Similar Jobs
What We Do
Umba is an African digital bank, offering bank accounts and financial services to our customers. We provide an ecosystem of connected financial services that allows the customer complete control of their finances all in one App. At Umba, we believe in the power of financial inclusion to drive economic growth. As a leading digital bank, we are committed to providing innovative solutions that empower both employers and employees to achieve financial stability and reach their full potential. Umba launched in Nigeria in January 2021, and in Kenya in April 2023, via the acquisition of an existing Microfinance bank. Our digital platform offers seamless access to a wide range of banking services, including account management, payments, loans, savings, and more. We leverage technology and data-driven insights to streamline processes and make banking faster, smarter, and more convenient than ever before. But we are not just a bank. We are a partner, a trusted advisor, and a catalyst for growth. Our team of talented professionals is passionate about our mission, and we work tirelessly to deliver personalized service and tailored solutions to our customers. With our extensive network and expertise, we are well-positioned to support our customers at every stage of their journey. Join us at Umba, and be part of a dynamic team that is reshaping the future of banking. Together, we can unlock the potential of businesses, transform lives, and drive sustainable economic development. Connect with us on LinkedIn, Facebook, and Instagram to learn more about our innovative solutions and the exciting opportunities that await you at Umba.
